₦airaland Forum

See here https://app.uk.loqbox.com/save/invite-a-friend

harddrive2012:
Abeg how can I generate my loqbox referral link ?

First have you registered to be on the electoral roll? Very important in building your credit history. Do you have a contract phone that you post pay? You start having credit score recorded for you immediately you start making payments on your bills. Signing up on Totally Money, Experian and other credit reporting platforms might help too.

Good thing you can report your rents as well... Will share the link below for you to sign up for free after doing your due diligence on same.

Use the following to report your rent payment to report the rent payment to credit agencies.
2. Credit Ladder sign up using my referral https://www.creditladder.co.uk/join/4kN2nMj0DmjpABDL),

3. Loqbox (sign up using my link https://www.loqbox.com/en_gb/loqbox-invite?referral_code=SZJ9DXFXHX&referral_channel=link)

crossbonehelped:
Need advice please
How long after getting into UK would someone have a credit score? Been here since 2nd week in June on a dependent visa. Not started working yet. Have an account with Lloyd, Monzo and Revolut.
Just rented an apartment this month though and haven’t started paying any bills.
Just want to know if anyone has an idea of when one can start having credit history

There are other factors checked by the CC companies not necessarily your credit score.

For example if you are registered to vote in an area, how long you've lived there, frequency of bills paid (credit history) earned from paying for example utilities, council tax, phone contract etc.

They also want to know you are earning income in the country. The number of years don't matter really.

Jaylord11:
Hello House,

I am trying to get a credit card from American Express but they rejected my application. I have an 808 credit score from Experian. When I was filling out the form, I was asked to fill in 3years address in the UK but I have only stayed for 1 year. I would like to ask if that was the reason for the rejection and if there is a way around it. Thank You.

Waiting for your responses.

Imagine the werey, next oga go say his wife's boss de knack dats why she got the car from the office... me can be complicated 😂

Mindlog:
This reminds me of a couple who came to the UK in September 2021 via study route. The husband was the student while the wife was the dependent and working full time as a domiciliary care worker to support clearing her husband's outstanding tuition fees as the husband was strictly working 20hrs weekly as a student and covered their rent and feeding. Few months down the line, the company gave the wife a small car to be driving to their different service users' homes to provide care, the company gave her a fuel card and were responsible for maintaining the car which she drove home daily even when off shift, the car was with her.

When she was off shift and the car packed in front of their residence, oga go dey insist on wifey to give him car keys so he could drive around for a while but wifey would refuse, reminding him that should he get involved in an accident or got fined for traffic violations while he is the one behind the wheels, she will be in trouble and insurance would not cover the damages. That caused a big strain in their marriage, oga reported her to relatives back in Nigeria of being selfish and arrogant.

Be like you be feminist eh 🤭😂

Anyway, my suggestions is based on the context that since the OP mentioned the benevolence of his brother in law to him and his family, it only makes sense put of courtesy to buy in both their names a gift to them.

Though OP didn't mention if the in-law on his own could afford to own a car but I believe he should and if he wanted or the wife requested, he could easily get it for her.

Now for the wife's brother to now go behind and buy a car for his sister and in her name could be seen by her husband as underscoring his capacity to provide for his family. You know men can be jealous at times. Just to avoid unnecessary wahala ... buying in their name prevents that with the hope that the husband would read between the lines and say ok - babe you take this car and be using to commute to work. Case close.

If you feel this is not a good option then.... I'm not in a position to debate it any longer with you 😘

Farfalla:
How will it cause family problems? If a car will facilitate her transport to work, where will the family problems come from?

Ooh I'm aware of it, I was only shocked at the boldness of the questions 😂

Ralphlauren:
I'm surprised this arranged marriage is news to you and some people on this thread. Lol.

Go to X (formerly known as twitter), you will see people shamelessly advertising/soliciting for "dependents" under this "sham" marriage agreement.

If its that bad on X, now imagine other platforms.

The current abuse of UK immigration system is soooooo bad. I have never seen it as bad as this before.

It doesn't work for study visa holders though... I know this cos I tried same route too without luck.

giselle237:
https://www.gov.uk/id-for-driving-licence

You are correct you can't use share code for the application if you are on some category of visa like study visa.

Nelsmannnnnnnnn:
Yes Ma'am, I read the share code info on the form but when I tried using the link provided to login, it said my details can't be found.

How did you do yours using the share code?

You wan cause family problems?

Farfalla:
Why?

You people should look at other tubers like cassava, potatoes and sweet potatoes... Leave ya alone 😂

How you go buy from your customer? Who con de customer de other when e bi you de buy? 🤭😂😂

fineboynl:
This new yam was sold to me for 2000 naira because i was a customer. In my present it was sold to another woman with abeg for 2500.

It was my usual customer and I bought more than one.

The increase was due to inflation in the country in addition to transportation cost.

This yam was cheap because if was onitsha yam that was transported to enugu. I was told the transport cost 200k.

Hausa yam wouldn’t be cheap either the ondo yam here was very small and expensive. Benue yam is yet to arrive but that still would be more costly.

Hmmmm makes sense... We learn daily 🤭😂

Owoado:
Because I don't actually need it. If I want money, I can take a loan instead.

Curious but why you no want again? 😏

Owoado:
Amex don gimme increase twice, I no even want again.

Try Vanquis....they carry out soft check first for eligibility (pls confirm). I have their card and they're even doing referral bonus of £25.

Anyone wants to use Vanquis card here's my referral link https://www.vanquis.co.uk/raf-app?code=78389F9CA88C0C296E8D

Disclaimer- Please DoYourOwnResearch in relation to credit card usage and financial discipline

Yes they would need your original BRP in the mail together with your completed form and passport photograph. I always advise including a registered self-addressed envelope in the pack so that they can return your BRP and you can track it too.

Lastly, register the entire pack (completed form + BRP + self addressed envelope) so you can track it's delivery to the DVLA.

You should get it back within 2 weeks and the provisional driver's license in 3 weeks. All the best

Nelsmannnnnnnnn:
@biggtt76

I was looking for information about the UK provisional driving license, so I had to go back to older posts and saw your comment on how you went back and forth with DVLA on your application.

Please I recently applied for the provisional driving license, I received a form via post from them today to fill. My issue is, do I have to put my original passport or BRP in the return envelope cos that's where I'm not comfortable with and they said they don't want photocopy.

Could you please guide me through this?

Response from others here will be appreciated.

😌🤣🤣🤣🤣

gmacnoms:
I no Dey drag anybody again. I have repented. 😁.

Aside your first degree, if I may ask ...what profession were you in? My suggestion though - before you japa, farabale and learn something in tech to complement you.

BlaqScarface:
I want to pursue a masters abroad as a means of escaping this country. I’m jobless at the moment but I’ve been saving from my former job for two years and also got a couple millions from sport betting and inheritance.

I’m confused about this while japa thing as I don’t want to go abroad and start doing useless jobs or start suffering or get depressed in another man’s land. I want stability and peace in a country with a reasonable economy.

Also, I have a first degree in English language, I’m 24. I’m confused on the path of my life to take please advise me.

Lexusgs430:
I be tiger generator wey no dey tire....... 🤣

Buy it in their names since the guy has also been instrumental to you an your family. Let it be an appreciation to them both. Let her husband decide how or who rides it.

YoungDaNaval:
Greetings naira Landers, my only sister is happily married to a lawyer and this guy have been instrumental to me and my family since he got married to my sister. Now I intend getting a car for my sis because her office is a little bit far from their home, the problem now is I don't know how her husband will feel if I use my sister's name for the car papers. Now I'm contemplating between using only her name or including her husband's name to the document which made me to bring the question here. Please married couples in the house,I need your sincere advice.

Note: I don't want to discuss this with my sis and her husband because I want the car to be a surprise

Track your status here track.immigration.gov.ng/ first and try visit them instead of trying to contact dem ...dem fit nor pick sef

Igbamatigbi:
Hello,

Please how can I contact Nigerian embassy in London, I have search older post but didn’t see anything. I renewed my passport and everyone that I did with has gotten their own, anyone with such experience and how they followed them up?
Thank you

You haf started eh Make person nor con drag you today oooo

Lexusgs430:
I would answer your question, with a rhetorical answer.........

If i want £100,000K, I can call it up within 60 minutes......... 🤣😁

Exactly what I thought of too ...for young guns like us, it would dip our meager credit score if we attempt it. Ordinary bank account I added caused mine to dip because they felt I have 5 current accounts. Awon werey

Lexusgs430:
- Excessive credit utilisation
- More credit searches
- Hard searches (Elfin conducts a hard search afterwards)..... Soft search for application, then hard search if you want their card..........

..... Baba di Baba

Na the usual advise on credit score building which the likes of Experian and others post frequently. Nice one

What are the 3 negatives pointed out in the screenshot?

Lexusgs430:
Who are those doing the advising........ 🤣😂

My score with almost 20 credit cards........😜💰

I'm curious but how's your credit score like? I believe they usually advise against having too many credit cards?

igbsam:
You just dey market this your elfin market 🤣 my card never arrive sha. I dey wait

Make i add am to the collection of my over 5 credit cards

Yes they can

omoalajah:
Any response pls

And you be wondering why some parts of the country are more developed than the others

OldBeer:
https://businessday.ng/news/article/kano-approves-%E2%82%A6854m-for-mass-wedding-%E2%82%A6700m-for-buk-students-fees/

Thanks to Japa

FreeStuffsNG:
https://www.vanguardngr.com/2023/08/nigerias-unemployment-rate-falls-to-4-1/

De your de make she de her de na ...bad as e bad reach there must be simething she enjoys doing most ....be a part of that thing. NOR BI ONLY for FOK person de marray ...companionship de important

addmole:
I and My wife have been married for 5 years. We are based here in Lagos. She's 35 years old. We are doing very okay and living comfortably. Since we got married, my wife hated sex so much. I am not even trying to sugarcoat this. She doesn't want to hear you talk about it or she does it. There's no one in the family that haven't tried to settle our differences since we got married. She was never like this when we were dating. It's been 1 issue to the other. She doesn't initiate sex, and when she does accept you to have sex, it's missionary style and it's just 1 round. Ah, me wey dey like knack wella. This woman begin change am for me. Lol. She doesn't want to hear you discuss sex.

Anyway sha, lets move on...

5 YEARS ago, her mum came to my house to kneel down and tell me I am stressing her daughter that I should not kill her with sex. Her then-unmarried sister then asked if I ama dog? Ah, insult. Anyway, I don forgive her. I spoke to my wife and told her what is the meaning of this? What kind of lies are you feeding your family with? This is the same person who happens to make just 1 round of sex. Just 1 round. She lies flat on her back. Once you are done, she quickly pushes you away if you stay on top of her for more than 10 to 15 minutes. There were times she would hit me if I try to initiate sex. I reported to her elder brother. He elder brother warned her. She stopped. She moved to kicking me anytime we initiate sex on bed, i reported to my pastor, he spoke to her and then, she stopped. My pastor told me i have to be patient with her. I said OK.

Omo...
The only time we make love is just 1 round, missionary style and that's it. She says she has pain on her stomach. I have been patient for 5 years with her. I told her anytime she's strong enough, we can make out. That there's no problem.

I have been pressured to cheat on her many times. i HAVE BEEN REALLY PRESSURED. Its just not easy. Her family have insulted me for demanding sex from her. Lol. The thing tire me. I see no where i am demanding. We don't do any other position apart from the missionary style. We do not even kiss. This is a woman that doesn't want you to kiss in in anyway. Even sometimes, she shouts at you when you try to be romantic to kiss her unexpectedly just to spies up our love life. She doesn't even want you to cuddle her on bed. She wants to be alone. Make money, attend to her business, vibes, laugh with friends and family and that's it. When it comes to sex, don't go there discussing that with her about making out.

I even had to retort to preparing her mind for sex by sending her a position we would try on WhatsApp, she would leave the message on read and not respond. When you talk to her about what you sent to her, she would just tell you, she's not strong to make love.

ANOTHER PART OF HER:
My wife is a very bitter person full of anger. If you try to tickle her when she's cooking in the kitchen to play with her, she gets angry and warns you not to try such. My wife doesn't want you to play with her. I am not writing all these to make it look I am a victim here. But all these are my experiences. I have to pour it out. I NEED SOME ADVICE.

There were many times, we agreed on separating. But we have already children and we used to think about these because the quarrels and the disrespect, sex and everything is causing a whole lot on us.

We do not have any form of healthy discussion very well. Before you know it, we are quarrelling over the place, she's shouting. There was a time we quarrelled that after throwing a Gotv remote at her, she fainted. She woke up before we got to the hospital. She almost died. I told her, she needs to stop her anger and control herself and enjoy her marriage. She just won't listen. She's an Edo woman.

I have tried many times to leave the marriage because it's affecting my mental health. Sometimes I regret about getting married to her. Sometimes, I just feel, maybe I CAN TRY MORE and give her a chance. When you call her to discuss our sex life, about her anger and bitterness, she doesn't apologise. She hardly apologise. Even when I get to explain her part on why she was wrong, she claims she's right until maybe someone hears us arguing before she would reluctantly apologise.

I have been battling a really starved sex life, full of a woman with bitterness, anger and pride who never apologise. She's quick to advice other women on Facebook, She would video call friends, give them advice and her family how they need to maintain peace with their relationship. But she never seem to give me respect in anyway in her own own. Hmmmm.

Recently, my wife brought out another timetable that she cannot cope making out with me the way she does. Which is 3 times a week. That she can only be available to make love 2 times a week. This 2 times is just 1 round each. This is how she wants it. I immediately responded to her that I feel her pain. I understand. She cannot be pressured just to make it look like she wants to please me that I would rather get a side chic. Yes, i know this was wrong to tell her, but i am frustrated. She disrespects me and starve me of sex and she's even bending the rules again. She responded that 'ok that I am free to do what i LIKE'.

i decided to bring this here to know the comments from people. I would like to get advice from persons who are going through similar things like this and advice me on what to do.

Some of you might say, call her and talk to her. I have done that several times since in the last 5years. I did it last night and twice today. I have spoken to her. She promised she would change, she would not only repeat the same thing but make things worst the next time.

She disrespects me a lot. I have sometimes left the house but come back after families get to call me. She would change for a week and return to her old self.

What do I DO? Please make your responses constructive enough.

Both

Lexusgs430:
Ongoing tenancy or new......

I would like to ask, how do I make rent payments using credit card or debit card or PayPal? Assuming the landlord insists on bank transfer? Is there any website this can be done through? Thank you.

Justwise
Lexusgs430

Zahra29:
The answer to Q5 is "all of the above"

If you transfer the rent payment to her account and it's a scam, then it's very likely that you will have no recourse through your bank to recover your money, because bank transfers are not covered by the same protections as debit and credit card payments.

Why don't you ask her to make a formal introduction to the agent/landlord? As you've pointed out, you need a contract or some type of legal agreement before taking up occupancy in someone's house