₦airaland Forum

Hi,

1 & 2. I don’t think it’s necessary but I uploaded mine in the place of my baby’s.

3. We did a letter and co-signed.

4. The letter was just to say that we are the baby’s parent s and NHC has our consents to issue a new passport for our baby.

We received the baby’s passport a day after biometrics.

Cheers

profemebee:
hi hi

Please I have questions regarding application for a 1st (fresh) Nigerian passport here in the UK

1. Is it true I will need Local government letter for my baby to upload when applying for the fresh Nigerian passport?

2. If nos 1 is Yes, then where do I get the Local government letter for my baby? Nigeria?

3. Regarding the Letter of consent for my baby, will it be 1 letter signed by both parents OR a Letter of consent from each of the parents?

4. What should be in the body of the Letter of consent? like what should be in the Letter of consent?

Oh nice. All the best!

Pearlyfaze:
We were living in Edinburgh and moved to Newcastle two years ago.
We want to move back to Scotland and Wifey said she wants Glasgow. Me been want Dunfermline or Kirckady (FIFE).

Hi, I think you can go through real estate agents to sell your house and engage your lender to port your mortgage to a new property if you intend to buy immediately in Glasgow.

Just to ask, were you based in Glasgow before because you mentioned you’re moving back. Reason for asking if because we might be moving to Glasgow this year, hence trying to figure out good areas to rent or buy a house.

Cheers

Pearlyfaze:
Congratulations to all the newest Landlords in the House. This 2025 this Family will have more Landlords. RENT MONEY IS STILL DEAD MONEY.

Who in this house lives in Scotland (Glasgow), I want to connect as we plan to move back to Scotland (Glasgow).

But my biggest challenge is selling my newly bought house, which is less than a year on a 5-year fixed Barclays Mortgage. Please elders if you have an idea of how I can pull this, Please advise.

Compliments of the season!

Please, I’d like to ask if lenders would require any documentation from gifters for deposit gifts received through Moneybox LISA as per the attached screenshot?

Thank you!

Your TESLA shares has just gone up by 12%. #TrumpTrade 😁

justwise:
That feeling of 2016 all over again though this time around it’s mixed, at one hand the dumbest president is about to take to power and in other hands my Tesla shares is going through the roof.

Interesting times ahead

Thank you!

Zahra29:
Technically yes to the bolded.

It is however a legal obligation to pay for the IHS after the baby's third month to be able to access NHS treatment. Some trusts are more vigilant than others and might ask for proof of the baby's status/ IHS payment if the baby was attended to at hospital.

Greetings,

Please for someone who is currently on Graduate Visa and has a new born baby, is it compulsory to apply for visa and pay IHS if the baby is not travelling anytime soon?

Can the baby’s application wait till when switching to a SWV?

Thanks!

@zahra29

Hi,

I assume you’ve been on a skilled work visa for close to 3 years, hence the 5% deposit offer.

Please do you know if they can also extend same offer to someone who is 2.6 years old in the UK but not on a skilled work visa yet?

Thanks

mex551:
As seen on a Facebook page this morning. So Barclays can give mortgage to those on one year visa (15%) . I think their rules are changing. I also applied directly to Barclays although I am close to three years here and the Barclays Bank mortgage officer was telling me that they can even give me for 5% deposit. I didn’t want 5% as I was more comfortable with 10% deposit.

Ok, thanks a lot for the feedback.

Solumtoya:
Yes, they do, but it may be based on tight negotiations but YES, they do. Initially, my folks said they couldn't give me but the Mortgage Advisor they recommended helped me push for it when he saw I was serious but needed that 5% to make it work ASAP

Hi Chief,

Please do you know if Persimmon gives 5% deposit contribution as incentive for the their developments in NW, Lvpl precisely?

Thanks

Solumtoya:
My personal experience from Persimmon has been fantastic.

As an aside, you can refer and earn £500. The person referred also gets £500. So if anyone wants to reserve with Persimmon, try and get someone's Referral Voucher first.

Thanks Zahra29

Zahra29:
Agreed...

@DadR

#1 should resolve the issues with your Experian report. You may also need to contact/review your reports with other providers like Clear Score in case there's also been any impact there.

#2. You could also make a formal complaint to the regular,Ofgem: https://www.ofgem.gov.uk/complain-about-your-energy-supplier-0

Or when you contact the energy company, threaten them that you will be taking this matter to Ofgem, and Action Fraud if necessary, if they do not resolve this promptly

The call you made last week should be recorded - they should be able to retrieve this with your reference number and date/time of the call. Request a transcript of the call for your records in case you need this proof down the line.

Thanks Ticha!

Ticha:
1. Raise a dispute on Experian and attach your evidence as a first step so they can remove the information.
2. Raise a formal complaint with thr energy company again, detailing previous comms and requesting they uodate your information, call off their debt collectors and put all to you in writing. Obviously this is where you complain about the stress on you, your finances etc.
If they're part of of the ombudsman, escalate to them too at the same time. I am not sure if the FCA also regulates utility companies but it's worth researching into and escalating to them as well.
3. Litigation is expensive and there is no guarantee of success.

Greetings Elders,

Please, I need your guidance on how best to approach my situation.

I received a debt recovery letter from a Legal firm on behalf of the energy company I used in an apartment I vacated almost 2 years ago stating that I'm owing the sum of £2.2k for energy bills accruing from the date I vacated the apartment till date. I reached out to the energy company with my account details and the customer service person confirmed that my account had been settled and closed and that the other account in my name with accrued debt was opened by them internally. She apologised and stated that they would reach out to Experian to take it off my credit file (in my head, I assumed that it is not on my credit file as I usually check Credit Karma and never seen any of such report. I told her I wanted to raise a complaint which she raised for me, sent me the reference number and told me that someone from the Resolution Team will call me the following day. However, no one has called since over a week.

I ordered my credit report from Experian last week and it arrived today. Also, I've received another letter from the Legal firm chasing me for the debt I do not owe and stating that I have to arrange a repayment plan latest 30th July. After reviewing my credit report from Experian, I noted that the energy company had reported at least 3 missing payments on my credit report and this will stay on my report for at least 6 years, thereby affecting future credit applications, especially Mortgage.

Please can you advise on how best to approach this situation? Do I file a law suit against the company, demand financial compensation, etc?

Thank you.

cc Lexusgs340, Ticha, Justwise, Zahra29, et all.

I appreciate your feedback, thanks a lot!

Ticha:
My biggest issues with shared ownership
1. You will pay market rate rent on the portion you don't own and this increases annually or as detailed in the agreement (usually in line with CPI)
2. You will not benefit from any rise in capital value from the share you don't own
4. When you staircase, ie buy more of the builders share, you will have to pay costs including a valuation fee and the solicitors fee for the builder.
5. Any extra you buy will be at market rate valuation.

Do the calculations and see if it works out for you. Remember the max you can buy initially is 75% and majority of developers seem to cap it at 50% initially anyway. So whichever way, you will still be paying some rent

Greetings,

Please, for someone with no much deposit but wants to get on the property ladder rather than renting, is getting a mortgage through shared ownership (like 25% - 30%) worth considering?

What are the major cons and can someone opt out after paying off the % ownership and use that as a deposit for an another freehold property?

Thanks

@ticha, baba lexus!

I did not do any follow up and do not have any contact details. I was also surprised when I received the parcel because I wasn't expecting it soon.

SamReinvented:
This means that they are not following the queue accordingly. My biometrics was on 2nd May and I’m still waiting. Did you follow up with them at any point? If you can share the contact details, that’ll be helpful. Thank you.

Yes, it was delivered to my house. You will need to go with a £20 postal order and you will be a given a tracking number.

hustla:
Delivered to your house? Thought they ask you to come and collect it at their office like in Nigeria

Interesting

Do they provide a tracking number?

Collection may not take up to 3 months I think. My Son did biometrics on May 23rd and his new passport was delivered to us on July 15th.

@hustla

bigtt76:
Good you've done it, 3 months at least for collection but better you do it now than next year

Haha, the policy at that time will favour me and my family. 😂

I greet you Oga Lexus 🙌

Lexusgs430:
They are waiting for you, when renewal is up ........😂😁

Thanks, my Oga.

I've submitted our applications this afternoon. I couldn't afford to wait any longer because extra £2600 is not a small margin.

Make eye no see evil, na all the body be the medicine. 😂

Goke7:
Am hearing it has been implemented, chai this is bad mhen, no update whatsoever, just a press conference and direct implementation

Your feedback is appreciated, thank you.

Schoolhike:
Another angle to this is that, securing a job with less than 2 months left on the visa might be a little bit off to some employer most especially those that can’t sponsor, except if you are only pursuing sponsorship jobs.



Last year December, I locked up not to only apply for jobs that can sponsor, so I started applying to jobs that can’t sponsor after getting the psw, eventually got one, after 4 months on the job, like 10 of us in the company were made redundant, eventually got another one (which would probably come with sponsorship from my research), after a month of thorough searching with lots of interviews rounds like 2 in a week,



(then I remembered an advise from the thread that not to be too loyal with a company when opportunity arise, some other opportunities did arise when on that job, but turned a blind eye)




Well all in all, would advise you apply as soon as possible cos of the increment and also be able to apply for jobs without the fear of an expiring visa which some employer might take serious because sincerely, I got to know during my job search that the competition out there is stiff, compared to when I came in in 2021.

Thank you, Chief!

I hope the increment is not about to happen with this planned maintenance. 😂

Goke7:
I think you should calm down, there should be further announcements on when the new increase will kick off so keep an eye on it. If the increase will kick in before your September when you visa expires then I will advise you apply for your psw before the date the new increase starts. For now pursue your desire for work visa, you never know what’s ahead.

Greetings, my people!

The news of the imminent significant increase in IHS and Visa Fee don wake silent reader up o! Please, I need your kind opinion.

We are currently on Tier 4 visas which will expire towards the end of Sept. 2023. Also, my spouse has just been cleared by her school hence we are now eligible to apply for postgraduate study work visa .

While we are still exploring the possibilities of securing a job with Tier 2 sponsorship, our plan was to wait till a week before the expiration of our Tier 4 visas before applying for PSW visa with the hope of securing a Tier 2 sponsorship before then. But now, we are worried that the proposed increment in IHS and visa fees might take effect before the end of Sept 2023.

So, please, do you think this increment might happen sooner than we think or will they announce on a particular day and state that it will take effect in a month's time, for instance?

Should we just apply now to hedge the risk of not incurring any additional costs?

If the above is yes and we later apply, in a short while, to switch from PSW to Tier 2, will the Home Office refund the unutilized portion of the IHS paid for 2 years PSW?

Make una no vex for my long story o, I no fit sleep like dis cos na fam of 3 we be and dis additional cost no be small tin!

Thank you!

Congratulations Bro!

mcstan18:
After nearly six years on this journey, with several expired profiles, IELTS results, and ECAs in-between, the curtains have now been drawn on my quest. It’s CoPR people and below is my timeline:



YOU are next!

Thank you for your response.

justwise:
Yes as long as he gets there as early as 6.30-7AM so as to avoid long queue.

SamReinvented:
Did mine this month.

I also had appointment for 11am. I got there at few mins past 10. There was a large crowd, but I still managed to get everything finished by 1:30. So you should be fine.

They had a tally ticket machine that made the process orderly… but the thing stopped working just before I had almost completed my process and vawulence was about to break out as I was leaving

I greet o my people, it's been a minute!

Please, my son has an appointment at the Nigeria Embassy in London to renew his expired passport in 2 weeks time. The appointment time is 11am so I would like to confirm from those who have been there recently if it's possible to conclude the process latest 5pm on same day.

Reason I'm asking is because we live in the North-West area and would like to go and return by train on same day to avoid cost of lodging in BnB and for my son not to miss school for 2 days.

Thank you.

Will surely takehim up.

Thanks

AlphaUno:
Ah! That’s unheard of.
Youth exuberance is worrying him and he knows he has gone against the law.

Take him up on it legally and let’s see what happens

Thank you very much for your feedback.

I had reached out to the 3 custodial deposit schemes and they all confirmed to me by email that my deposit was not protected.

Also, the answer to 1, 2 & 3 below are no.

I will take it up from here.

Kind regards,

Ticha:
Majority of the information you need is in my response that you quoted. Did you check that the deposit wasn't protected? You can call up any of the 3 custodial deposit schemes and they'll tell you yes or no. It's better to get all your ducks in a row first.

You should have:
1. A rental contract
2. Right to rent documents (EICR certificate, gas safety check certificate, carbon monoxide alarm fitted and evidence)
3. Documents telling you where your deposit has been protected.

If no for any of the 3, you need to start county court proceedings. It costs 300 quid ish but you can ask that the landlord pay your costs. Claim all your rent back, plus your deposit x 3 and your costs.

https://www.gov.uk/tenancy-deposit-protection/if-your-landlord-doesnt-protect-your-deposit

Na Britico, a young guy under 30 managing his father's property.

AlphaUno:
What nationality is your LL , e get why?

Thank you for the feedback.

Viruses:
Type in Google - my landlord did not protect my rent deposit. You should be able to claim x3 times of the deposit back. You are supposed to have a rental agreement but just give it a try.

No tenancy agreement was signed in writing. He sent a draft to us by email, we reviewed and replied him that we are ok with the terms, hence he should proceed to print the agreement for both parties to sign off. But he neither replied nor talked to us since then. He totally ignored us.

Yes, the draft agreement he sent stated that the landlord would register our deposit under a protection scheme.

Thanks

koonbey:
Did you have a tenancy agreement in writing and signed?

Did that agreement state that the landlord would use a deposit protection scheme?

Hello Madam Ticha
cc: Oga @Lexusgs430, Oga @TheGuyFromHr et all.

We vacated our 2 BR flat on Nov 3, 2022 (12 days to the end of our 6 months tenancy - Nov 15th), although we gave more than 1 month notice to our useless landlord.

A bit of background - he didn't talk to us since we paid and moved in. He didn't fix any issues we had in the flat despite several follow-ups. He didn't also register our deposit neither did he sign and give us any contract/agreement.

Now, since we've left, he is yet to refund our deposit. We've called times severally but didn't pick up, he later blocked my line from calling him. His maintenance guy had notified him that the flat was left in good order.

Kindly advise with which organisation/body I can escalate to, to recover our £775 deposit back. And will I pay for this service? We are based in Liverpool.

Many thanks!

Ticha:
You have a tenancy under law so fear not. As long as you're paying rent as agreed, you have an active tenancy. Lexus is right. In this case, you won't even lose your deposit regardless of damage because he has broken the law by not lodging it and therefore can't claim anything off it. Even if he lodges it later, he has still failed to abide by the tenancy act. The good thing about not having a signed agreement is that there are no detrimental clauses he can enforce - at all.


Write him formally - by email and text (preferred for evidence) or by post - registered delivery so you have evidence - detailing what needs to be fixed, ask to have the tenancy agreement signed by both of you and your deposit protection letter for your own records. For example, you will need the tenancy agreement for certain things - prove your address, visa stuff as and when the time comes...

Is the issue to be fixed quite bad? i.e. does it impact on you living there? If it is very bad and he's not responsive, contact environmental health. The council will force him to take action but of course your relationship with him may become fraught.

But if you're leaving after 6 months, just relax and take him to the dispute resolution once the tenancy ends and claim back your deposit plus the extra. And if he has not provided any right to rent documents, claim the whole of your 6 months rent back too. First and foremost - check that he definitely hasn't protected it. You can easily check any of the 3 services - https://www.gov.uk/tenancy-deposit-protection/if-your-landlord-doesnt-protect-your-deposit

Make sure you give the right notice. Which is one month. Read here for more information - https://www.gov.uk/private-renting-tenancy-agreements/your-landlord-wants-to-end-your-tenancy