₦airaland Forum

Lexusgs430:
Don't forget leasehold vs freehold dilemma & ongoing service charges...........🤣😜

@lightnlife

Plus management company wahala....

giselle237:
It should not have been the case. Maybe the applicant’s home ties were not strong enough and to be honest this is a very rare scenario to be denied visit visa because the sponsor’s visa will soon expire.

Well....

Gourdoinc:
really ?? Why was it refused please. Was I because the time left on the brp was less than the duration for visitation applied for or was there another reason. Kindly advise please.

That was it. They said there 8s no guarantee my visa would be extended and I would be out of status during the validity period of the visa.

Depends on the person attending to your case really..... Pray they wake up on the good side of the bed the day they are handling your case.

giselle237:
go ahead as long as you have valid leave during the application. I have done this

I have also done this before and it was refused.

koonbey:
Me too to be honest.

Apparently the sending of the best and brightest is global 😹

🏃🏿‍♂️🏃🏿‍♂️

Lol, this table you are shaking...

lavida001:
Be like London is saturated. Where are all the jobs guys ?

Make I find trouble this early mo mo.

Immigrants have taken all the jobs.

Runs and hides

RalphJean:
This post is to all the people (on this thread) who are justifying the UK govt wanting to increase IHS/Visa fees to raise £1,000,000,000 to fund pay rises.
The first picture is a total tax deduction from a legal tier-2 visa holder. Remember, this person has paid the IHS upfront. This person has NOT been able to get an NHS dentist. This person has been held in a 7 month NHS waiting list.

Kindly note the amount of this person’s tax that has been pumped into the NHS. In addition to the IHS which has been paid upfront.

Also kindly note the amount of this person’s taxes that have been pumped into ‘Welfare’.
Remember, this person has No Recourse to Public Funds.

Let’s be Frank to ourselves. Is this justifiable?

Not justifiable but it is what it is. The info is out there, we chose to come so we adhere to it i guess.

heroshark:
Unfortunately education alone is not a good enough ties to Nigeria, considering that she has families in the UK. She is unemployed and have no source of income and to cap it up, she is still quite young.
The rule of the thumb is to treat every application as a potential "immigration risk" until to applicant successfully proves otherwise.

The sudden £500k credit looks suspicious, and normally she should have submitted 3-6months statement.

What you should have done is to make a monthly payment of 100k into her account for 3-5months label it as her upkeep. She will declare it as income of 100k per month from family for upkeep.

This will show that she has enough money back home in Nigeria and not a potential economic migrant.

So students are not allowed to visit the UK? She just has to prove she is a student and she is coming back to continue her studies. Her family in the UK Is sponsoring her and they are in correct status and not depending on the government for anything. I am assuming in this new application her parents who I presume is in Nigeria will write a supporting letter telling them she will come back to Nigeria to continue her application.
Plus someone close to home same situation, brother and sister in the UK, I am her family too in the UK, is a student was refused initially, same reason not sure she is a student. Sister reapplied for her immediately countering the HOs reason for denial, girl is in the UK as we speak. Only difference in case is the 500k this one had. The one I am talking about had significantly less but the account was active and inflow and outflow was typical of what a Nigerian student will have.

CandyDiva:
Yes!, this is exactly what I’m on about. I and my other siblings send her monthly allowances, so we would declare all of that. This is uplifting. Thank you

..and if you have parents in Nigeria, a letter from them giving consent to her travel can be a plus saying she is coming back to continue her education

CandyDiva:
Thank you so much for your response,

We suspected the account pump, I had sent the money into her account over a month prior, thinking it would be okay to show some money in her account ( I guess I was wrong), after-all, she is a student and mustn’t declare any account statement and I also mentioned I’d bear her cost of traveling anyway.

What has changed is that, we won’t bother using any account statement from her, mine would suffice.

And I just want her to come and relax, chill and shop for all the stress exams has bestowed on her.

Once again, thanks for responding

The application should be fine. Attachment to Nigeria is her education as supported by a letter from her faculty on a letter headed paper. Just deal with the financial part, no pump the account, let the account show inflow and outflow of a typical student and if there is any significant deposit, put an explanation with evidence. And reduce the one month to say 2 weeks...

CandyDiva:
Thank you so much for your response,

We suspected the account pump, I had sent the money into her account over a month prior, thinking it would be okay to show some money in her account ( I guess I was wrong), after-all, she is a student and mustn’t declare any account statement and I also mentioned I’d bear her cost of traveling anyway.

What has changed is that, we won’t bother using any account statement from her, mine would suffice.

And I just want her to come and relax, chill and shop for all the stress exams has bestowed on her.

Once again, thanks for responding

The application should be fine. Attachment to Nigeria is her education as supported by a letter from her faculty on a letter headed paper. Just deal with the financial part, no pump the account, let the account show inflow and outflow of a typical student and if there is any significant deposit, put an explanation with evidence.

This is my take on this IHS increase as with many other things. Demand and supply, when demand is high prices go up. You have a choice either you pay for the goods or service or you find an alternative.

They know that we will still find a way to pay this increased fees so why not. Wish we could call their 'bluff' and everybody says oya home office e don be we no dey do again we dey carry our Kaya go somewhere else. But then there are limited other places that we can easily migrate to.

So I am surprised lots of us are surprised at the increases. I'm sure it will not be the last. Net migration might reduce and revenue for the government might increase- win win for the gov. Unfortunate for the people who are here already who may have to pay more to renew their visas.

SamReinvented:
Because today is Sunday and I have time this afternoon, I will breakdown the analogy in simple terms:
1. Nigeria is statistically a poor country. - But if you go to Banana Island, you can pick 5 people and they will all be earning above $200K per annum. I won't call them a liar, because "national statistics".
2. US is statistically a rich and prosperous country. - But if you go to Chaldean Town, pick 5 people and they are earning around $100 per month, I wouldn't be too surprised.

Now apply that analogy to you coming to Nairaland and expecting the people here to align to UK's national statistics - just because . The simple fact is... the distribution of people here are just very skewed at so many levels and I wouldn't expect them to be representative of many national statistics in the UK. Furthermore, the claims that we have seen so far are from an extremely tiny sample size and wouldn't be taken as anything significant from any credible statistician.

The baseline is - ya'll need to calm down with always questioning people's claims. I've seen claims from you about you that I don't believe (even today) and I just looked left because na you sabi. It's really not in your or anyone's place to question adults about their lives in a public anonymous forum. No one owes you anything. If you have an argument to make, do that separately with reasonable facts and logic, and not on the back of casting doubts at someone else's claims.

Obviously, no one has done it to me so far, but I still find it annoying and distracting whenever I see people do it to others. I decided to use this weekend to talk, but I'm over it now sha. Goodbye for now

THIS....

SamReinvented:
It’s not rocket science to pay off credit cards in full every month. If you are living within your means, it’s the easiest habit to have. It actually won’t be surprising for me if most Nigerians abroad pay off their credit cards monthly - we grew up in a society that holds a mindset of “saving to spend” and avoiding debt.

NB: I also pay off my personal credit card every month. See the summary of my last statement below. So you can add me to the list you’re curating

make me sef join the league of people who pay off their credit card every month.

I don't require a credit card to live my life, I use it because of the benefits that come with using it and im sure some of my other colleagues here do.

EJIOGBENIMI:
I was issued a cheque(Backlays bank) for about 2 months now. Is there any other way to cash it out without visiting the bank?

Depending on the bank and the amount, you could make a cheque deposit by taking a picture via the bank app. Alternatively go to the post office to make the deposit.

adefoluk:
Thank you

Not just ilr, excessive stay out of the country might impact your ability to extend. Best go to gov.uk website and do the research for residency requirements....

LionInZion:
Oh, I think I get your point now. But tbh, bringing non immigrant vs immigrant Visa argument to a UK immigration discussion seems off topic.



The last time I checked, it's the US, not the UK, that uses such categorisation. And even in that US, many non immigrant visas like H1B, L1, O1 are dual-intent routes, meaning holders can switch from them to various categories of employment based migrant visas aka green card.

And the non dual intent like F1 has options for things like OPT, which you can switch from first to H1B, and then later to a migrant Visa, so long you meet the requirements.

And that's my point in the other post you quoted. It's normal for people, regardless of their original route into a country, to switch from one immigration status to another. It doesn't matter the Visa you came with, as long as you undergo the lawful process, nobody should call it backdoor migration.

Noted, completely agree with you. But there 8s a distinction between settlement and non settlement visas. Dependants on spousal visas are scrutinised more critically and the requirements are a lot more than dependants on tier 4 visas if my info is still current. If tier 4 visa holders had to bring in their dependants on the requirements set out for those on spouse visas, a lot of us won't meet the requirements.

Yes lawful process is good, and if you follow it why not bring your entire family. The numbers don't lie, we will come back next year and see the statistics with the number of students that will come from Nigeria to study or whose original intention was to 'migrate' when these rules begin.

We go dey alright las las, this is not the first time they changed rules for students and will not be the last. There 8s always a boom and bust, it is always cyclical.

deept:
Immigrant vs. non immigrant visa

Immigrant - the gov knows you are here to stay.

Non-immigrant - it is expected that you return after the purpose of your trip is fulfilled.

AirBay:
The govt does not want them to have distractions

Lol

AirBay:
Undergraduate students are not supposed to be within the age range that will have dependants.

Why not?

LionInZion:
One point people seem to be missing in all this international student discussion is that regardless of your status today, so long you came in with a visa, you are not different from the international students the government and its fans are portraying as opportunists and leeches.

If you came via a family visa, you must have switched your status from dependent of ILR holder or British citizen before you have your permanent residence, and maybe to citizenship later.

If you came on a work visa, you must have done the same.

If you came as a refugee, you must have claimed asylum and then have your application granted before you had your stay.

So, does that make you entitled, leeches, a burden to the system, an opportunist?

The same thing most settled migrants in the UK did is what international students are doing today.

They came with a student visa, applied for PSW and were granted because the govt deemed them qualified, and if they feel like switching to a Skilled Worker visa thereafter, and then to ILR much after, it is still all the same process followed by every migrant today.

So, it is unfair making it look like they are migrating through the backdoor. The only people who might deserve to be vilified are those staying illegally.

So, where is this narrative of "they are trying to stay indefinitely comes from"?

I agree that the government has to do what they think is the best for their country, but they can do it without stigmatizing those who committed absolutely no offence.

Immigrant vs. non immigrant visa

Lexusgs430:
The UK government is simply very confused...... You cannot tweak the law, collect their application fees, but not want the individuals.......


When next they decide to tweak immigration laws, they should have Nigerian, Indian and Chinese consultants on their board .......... (not just fresh oyinbo grads)........🤣😛😜

They call it legal route to illegal migration. We all know that the main purpose of a large percentage of people who come to school is not to come to school but to japa. 9t 8s not illegal but is hitting them negatively in immigration figures so I guess they are adjusting to the situation.

Thanks to the YouTube guys and all the people that overdo these things, they are getting to know the loopholes are plugging them.

Article I stumbled across, not just Nigerians. I'm sure they will come for care companies shortly

https://news.sky.com/story/amp/i-felt-scared-but-couldnt-do-anything-the-fake-families-being-smuggled-into-the-uk-12886913

Their country, their laws. If the UK says they don't want immigrants they are entitled to do that. I read some posts and I all I see is entitlement. They do not owe anybody anything. they make the guidelines, if you are happy to go along then good else there are other countries you can migrate to.

justwise:
I don't know why some of you bothered to type all these long story, you do not travel to another country to live and work with just one month rent. Its a silly gamble which is likely to backfire as this case has proved

I really don't give toilet brush about how people decide to read and interpret my post, we can't run away from reality.

With all the information on this thread about how care companies are not giving their workers shift and you decide to come and take your chances and not bring enough buffer then it is your fault. Expect no sympathies from jw.

rinzylee:
Oh thank you muchos.

Travelling on Saturday night and I am tall o. What is the check in time abeg?

Can you share your experience after your trip please. I have a flight in a couple of weeks with them.

semmyk:
It's all politics. But, hey, who doesn't want to remain in power. No 10 is a sweet tener!

One challenge though with the post on coursementor, it appears to be like those desperate 9ja blog! #sensational
One will not the the 'emphasis' on Tier 4 and Tier 2!!
The reality is that the conditions of Tier 2 ain't same as Skilled Worker, nor those of Tier 4 the same as Student visa.
For noting, YouKay Gov does not list student visa as one of the restricted visa type for switching to Skilled Worker. https://www.gov.uk/skilled-worker-visa/switch-to-this-visa

Well it popped up on my feed and decided to share. Better to be informed, thsts why I added a "do your checks" caveat for is planning to do this.

https://coursementor.com/blog/uk-govt-strict-measures/

Do your checks...

Zahra29:
I believe it will. Also if HTB comes back. This govt is heavily invested in keeping house prices high, and as the market is stalling due to interest rate rises, new measures are being brought in to shore up it up.

The way these guys think. You would think they cared about the ftb and want them to achieve home ownership but like you pointed out aim is to keep house prices high for whatever reasons. Then to avoid or reduce backlash they come out with the only available for people who have a history of rent payment. Also using that as a some sort of hegde against potential defaulters via means of a 'pseudo credit check'- if you can pay rent you can pay mortgage.

Zahra29:
Likewise lol. It's looking like this might set a standard for new age non-guarantor 100% mortgages, although I don't think we'll ever return to the days of Norther Rock style >100% mortgages

I think I read somewhere the APR will be a 6 percenter

Interesting - I suspect they will cap borrowing to a % below current rent in order to limit risk and enforce an affordability buffer...

EDIT

Just seen that the product has launched today. APR not bad - fixed IR 5.49

The criteria don't look too onerous:

All applicants are first-time buyers.
Each applicant is 21 years old or older.
You have less than a 5% deposit.
You seek to borrow up to £600,000.
You satisfy the household-to-household criteria.
You are not purchasing a new build flat.
You can provide evidence of 12 consecutive months of rent payments within the last 18 months.
All applicants have maintained a clean payment record on debts and credit commitments (e.g., mobile phone bills) for the past 6 months.
You have a history of paying all household bills (e.g., utility bills, council tax, etc.) for a minimum of 12 consecutive months within the past 18 months.
The new monthly mortgage payments will have to be equal to or less than the monthly rent that applicants have been paying.


Full information here: https://yescandomoney.com/guides/mortgage-insights/skipton-no-deposit-mortgage/

Won't this 100% mortgage drive up demand thereby leading to increase in house prices?

DoDirtsLikeWorm:
Diamond 💎 digger, go start with Charlie crown.

this is not digging anything. it will be strategic merger.

shit money debate loading.........