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Travel / Re: Living In The UK: Property,Mortgage And Related by DadR: 11:50pm On Aug 14 |
Ok, thanks a lot for the feedback. Solumtoya: |
Travel / Re: Living In The UK: Property,Mortgage And Related by DadR: 12:51pm On Aug 14 |
Hi Chief, Please do you know if Persimmon gives 5% deposit contribution as incentive for the their developments in NW, Lvpl precisely? Thanks Solumtoya: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 2:46pm On Jul 22 |
Thanks Zahra29 Zahra29: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 2:18pm On Jul 22 |
Thanks Ticha! Ticha: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 1:03pm On Jul 22 |
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. 2 Likes 1 Share |
Travel / Re: Living In The UK: Property,Mortgage And Related by DadR: 8:33pm On Jun 13 |
I appreciate your feedback, thanks a lot! Ticha: |
Travel / Re: Living In The UK: Property,Mortgage And Related by DadR: 2:16pm On Jun 13 |
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! |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 4:40pm On Aug 05, 2023 |
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: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 6:09pm On Jul 31, 2023 |
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: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 5:52pm On Jul 30, 2023 |
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: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 10:50pm On Jul 15, 2023 |
Haha, the policy at that time will favour me and my family. 😂 I greet you Oga Lexus 🙌 Lexusgs430: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 8:15pm On Jul 15, 2023 |
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: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 8:48am On Jul 15, 2023 |
Your feedback is appreciated, thank you. Schoolhike: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 8:47am On Jul 15, 2023 |
Thank you, Chief! I hope the increment is not about to happen with this planned maintenance. 😂 Goke7:
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Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by DadR: 8:22pm On Jul 14, 2023 |
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! 1 Like |
Travel / Re: Canadian Express Entry/Federal Skilled Worker Program - Connect Here Part 11 by DadR: 8:41pm On Jun 22, 2023 |
Congratulations Bro! mcstan18: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 2:34pm On May 13, 2023 |
Thank you for your response. justwise: SamReinvented: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 5:43am On May 13, 2023 |
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. |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 8:31am On Nov 24, 2022 |
Will surely takehim up. Thanks AlphaUno: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 12:59am On Nov 24, 2022 |
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: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 12:55am On Nov 24, 2022 |
Na Britico, a young guy under 30 managing his father's property. AlphaUno: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 12:52am On Nov 24, 2022 |
Thank you for the feedback. Viruses: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 12:51am On Nov 24, 2022 |
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: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 1:44pm On Nov 22, 2022 |
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 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: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 9:56pm On Aug 17, 2022 |
Thank you very much for the robust feedback, God bless you. I will proceed as you've advised. Ticha: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 10:34am On Aug 16, 2022 |
Thanks Oga HR TheGuyFromHR: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 10:34am On Aug 16, 2022 |
Thanks Oga Lexus! Lexusgs430: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 6:42am On Aug 16, 2022 |
Madam Ticha, I greet o. Pls. I'm in a somewhat similar situation. Since we rented our 2br apartment in May 2022, my landlord is yet to lodge the deposit we paid. Also, immediately we paid deposit and 1 month rent, he sent us a draft 6-month tenancy agreement for our review and concurrence before both parties sign off. We got back to him that we are cool with the terms hence we should proceed to sign off. Up till now he hasn't said anything about it. In fact, that was his last communication to us. I've sent SMS, WhatsApp messages, emails, called but he would neither pick nor respond. The guy is alive o, hale and hearty. We needed him to fix something in the flat too, we reached out but he ignored as usual. What can we do please? Cos we intend to leave the flat after our 6 month tenancy and we want our deposit back. Thank you. Ticha: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 5:47pm On Jul 02, 2022 |
Ok Boss, will do. Thanks justwise: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 5:28pm On Jul 02, 2022 |
Thanks man. I've been mailing him before this holiday season though. I really don't know why the flat is unnecessary cold too. A river is close to the area sha, that could be a factor. ukay2: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 4:28pm On Jul 02, 2022 |
Thank for your advice. My messages delivered to him on whatsapp but it doesn't show read. I think he reads them but just ignores. I wonder what he feels like. I learnt he's a young chap (less than 30). It's a big building with many flats and I think he's the one managing it for his old man. We were assigned a facility manager to our flat and the guy is very responsive and reliable. I just messaged him now to enquire about the well-being of my landlord. He said the guy is away on vacation, that I should let him know if I need anything so that he can relay the request to him. But in the draft agreement, it was mentioned that I can relate with the landlord directly when necessary. If my new landlord must reach out to my current landlord for referencing purpose, I may just wait till the end of the 6 months tenancy before leaving but how to get my deposit back is the koko in case he wants to prove funny. cc justwise davide470 Viruses: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by DadR: 4:01pm On Jul 02, 2022 |
Yea, his contact address is on the draft tenancy agreement he shared with us. justwise: |
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