₦airaland Forum

Lexusgs430:
We can't all be Ralphlauren, some of us are simply primark.......

DaveChapelle:
There was one guy we were following before,but he felt we were competing with him on his thread

MadameKofo:
Aphrodite007 Thank you for referring me to this thread. Ive been reading it since morning and getting answers to so many questions. Wish i knew about it earlier mehn.

Fatima04 starting this thread was such an awesome idea. God bless you and all who have contributed to this thread. Its really informative.

Back to reading mode.

DaveChapelle:
You can. Get a car for 1k too... Is it not to get you from A to B

shemafia:
Thanks to everyone here for your words of encouragement. I'm trying to be strong for both of us because hubby has been flogging himself over and over again.

Mamatukwas:
Lol ok but I haven't heard good things about gumtree so be careful. If you guys have Arnold Clark dealerships where you are check them out, they are very experienced used car sellers. Jisike.

Ralphlauren:
There’s nothing wrong in buying a brand new car as your first car as long as you can afford it. Do not let Lexusgs430 and co rain on your parade.

My MRS went straight to the dealership to pick up a brand new car barely days after she received her driving license in the post. The car was worth around £22,000 at the time. It was a finance deal and after 3years, she returned the car back to them and went to another dealership to pick another brand new car.

The insurance wasn’t bad as a first time driver. It was around £120 or so if I remember correctly. She didn’t pick a provider from a comparison site. She asked the dealership to recommend an insurance company and she went along with the quote she was given.

Brand new cars come with its “perks”, so I won’t fault anyone that decides to get one. You have to be very very careful with used cars as it is easy to get your fingers burnt.

Imagine paying £4,000 for a car only to change all four tyres, brake pads and shocks within a year. And then shortly after you get told by the mechanic that the car’s engine is almost gone and you should prepare to SCRAP the car. This happened to a guy I know.

shaybebaby:
Check Auto trader and Ebay. Avoid dealers, they know all the tricks in the book including clocking the mileage.

Try to buy from private sellers.

Red flags to look for;
Number of previous owners: the higher the number relative to the age of the car, that's not too good.

2)Number of miles on it: chances of more wear and tear if the mileage is high although you may have to compromise mileage to get something cheaper. I personally do not go for anything with more than 50k miles.
3) Check out the history of the car, see if its has been in any accidents which has not been disclosed. If it has been, shouldn't be more than a cat c (fender bender) to avoid stories that touch.

Use this website; www.mycarcheck.co.uk. For a 20 quid, you will be able to check the history of up to 4 cars by just entering the reg number.



Lastly, haggle on the price.

Lexusgs430:
Abeg, no give Oga heart attack o... £14,000..... Just look for a better Toyota Aygo (automatic), build your insurance history, get lowest insurance premiums, gather no claims bonus, year 2 (start to protect your no claims bonus)....

When you have built up enough road experience + insurance history + road network familiarisation. Buy a decent car or better still, upgrade your aygo.......

Mamatukwas:
Abi it's a big jeep you're eyeing noni??

Mamatukwas:
Nne 14k ke Wawu!!! Your heart is bigger than my own Abi do you want to buy brand new? We are buying a used car. And yes oh, very clean manuals for 4kish in this my zone

wonlasewonimi:
This is not Nigeria aunty Aphrodite007..the banks are regulated by FCA / prudential regulators and depositors funds are protected upto 85k for each account holder should the bank go down same level with traditional banks.

Mamatukwas:
With you on that Auto matter... was seeing some sweet 4kish deals only to realize they are all manual. Cheapest sensible auto we've found is around 7k. Arnold Clark. I can't be hustling manual again jor... I've paid my dues.

Mamatukwas:
Meanwhile cheapest insurance quotes we've gotten is about £680 from a coy called insure2drive.. I'm like who are these ones again? Hope they pay claims oh? Does anyone know them? Is £680 sef a good rate for we 1st timers or we should keep looking?

Mamatukwas:
With you on that Auto matter... was seeing some sweet 4kish deals only to realize they are all manual. Cheapest sensible auto we've found is around 7k. Arnold Clark. I can't be hustling manual again jor... I've paid my dues.

wonlasewonimi:
There's absolutely nothing wrong with traditional banks. I still maintain my accounts with Halifax, HSBC, natwest and nationwide.

The analytics provided by these banks sold me.. The fact that I get notification for every transaction and the location of where the card is spent and the shop. One of their marketing slogan is that you get notified before the receipt of your purchase is out. I can freeze the card if I misplace it or stolen. These capabilities do not exist with traditional banks. I can spend overseas without charges too.

You should never own just a single account in this country. The bank can tell you they will close your account if they so desire... I know people this happened to, they were in dire straits trying to open a new account to keep getting paid after the account closure.

Osinachi1290:
I'm so sorry. I already replied before I saw where you acknowlegded your mistake. Tried to delete and I couldn't.
Thanks for being really sweet about it.

Ralphlauren:
Is that for new or used cars?

Do you pay a percentage contribution?

5 years is a long time to drive the same car (in my own opinion ohhhhh). So think about it well before you commit. You might even be better off going to the car manufacturer directly via one of their own dealership.

MadameKofo:
Good morning all. Also a newbie in UK on a tier 2 dependent visa. Mamatukwas you and i are in similar situations. I have 2 kids under 4.
Looking for how to attack this UK job maket as well. I just applied for my temporary license and would take the theory test soon. Mobility cannot be a hindrance

I have International drivers license from Nigeria. Im just not confident enough to drive on UK roads. The right hand steering still dey confuse me

Ralphlauren:
I will open one with starling this weekend.

I’m happy to see challenger banks getting very good feedback. I think the main street banks are exploiting too much. Halifax has increased their monthly charges for one of their current accounts to £17. Fee that started from £10 when I first opened. Meanwhile, I have not made a single claim on the so called “added benefits”.

wonlasewonimi:
I have the three of them starling, monzo and revolut. They are very good. But my main bank now is starling. Go on your phone now and open atleast starling and try it for few days. You will stop using your traditional bank for daily spends.

Lexusgs430:
The bus is good in the summer, but come the winter season....... It's like waiting in the freezer.......

Lexusgs430:
They like you within the system....... Tax and NI MUST be collected......

Ralphlauren:
Moneysupermarket is the truth mehn.

I was previously with Churchill for my car insurance.

A colleague told me about comparing providers so I went to moneysupermarket.

Guess what? I got a quote with Admiral that reduced my yearly premium by half !!!! I was shook. I also discovered I can get cheaper gas and electricity, so I’m considering switching that as well.

Osinachi1290:
Not 6 months. It's 90 days per year, i.e. 3 months

Lexusgs430:
Rates vary depending on loads of factors...... You would just have to use sites like moneysupermarket, compare the market or other price comparison websites.....

wonlasewonimi:
Lol I remembered they installed the monitoring spirit when I first started driving. You go online to check how you are performing, you will just be seeing red like a prostitute doing menstruation.

nomad26:
If you have prior driving experience in Nigeria, I would suggest Aviva because they take into account total number of years you've held a licence (not necessarily a UK licence) which makes the quote much cheaper.
Also, if you buy through topcashback app, you can get 50 pounds cashback on your insurance.

OlowoB:
. Cc Aphrodite007

[/b]“Nigerians tolerating bad service is true”[b]

You schooled in the UK and should know better to stop with the generalisations. You also should have been taught that before you make conclusions, you should have all information. How did you even come to the conclusion that @akfaa tolerated bad service based on initial information given by him?

Thank God @akfaa has given further details to show it has nothing to do with accepting bad service.

Lastly, some Nigerians I know have been challenging authorities since university days. They did not need exposure to the western culture to demand what is right.

Do have a beautiful weekend.

teejay231:
You can't stay outside the UK for more than 90 days in a calendar year.

akfaa:
My initial post was to see if anyone had applied on the same day as me and if they were having any delay in getting their passport back. So I have picked a uni, applied for CAS and applied for a tier 4 visa. I never said the school didn't respond. I said they were not helpful because they stated that uni policy prevents them from corresponding with UKVI regarding T4 visas made outside of the UK. It's great that your university was able to do all of that for you. Mine was not a case of not providing a service because they wanted to be tardy, it was a we don't provide this service due to uni policy. Policies change all the time and this was why I asked someone here what service did his school provide for him and what his school's name was so I could let my uni know. I hope you understand. You saying "Nigerians tolerate bad service" makes me feel like the uni is offering me such poor service (when in fact they don't offer the service) and being the Nigerian that I am, I tolerate it.