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Emmyk's Posts

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Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 3:40pm On Jun 30, 2022
Poanan:


I heard they dont count recurrent expenditure like rent.

I see.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 3:37pm On Jun 30, 2022
hustla:


Can I report previous ones? Or it's the day I sign up that it starts to read

And does a rent payment delay of 3 - 4 days impact negatively

From the day you sign up onwards.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 12:00am On Jun 30, 2022
hustla:



Yes they all do

Yeah, Klana has just started too

PayPal actually warned me that they report to credit agencies.

Monese's programme is to do help with credit so they report to the agencies. I just would like tok know which is faster and maybe better in the long run so i wont just be doing the same thing in different places

smiley

Makes sense. I've been reporting my house rent payment to Credditladder since February, they are suppose to report to Transunion, but my Transunion credit score hasn't moved since February!

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 7:59pm On Jun 29, 2022
hustla:
Hello My Ogas

I have a question

To build up credit without going the CC way, which one is the most advisable or the best option to speed it up

- Buying and paying items using PayPal credit (3 times payments)
- Changing from maybe Lebara to O2 contract plan
- Using the Monese credit builder option for 1 year (costs around 7GBP per month)

Kindly advise

Thanks!

If they all report to credit agencies, I think you can combine all. Lol. Klana also started reporting to credit agencies at the start of this month.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 3:14am On Jun 29, 2022
MrMash:


Please can I apply as a student?

You can.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 8:26pm On Jun 25, 2022
Here is my referral link for Amex Credit card. We both get some membership points if your credit card application is successful. cheesy

http://amex.co.uk/refer/eMMANOrM0h?XL=MNANS
Sports / Re: Nigeria Vs Sao Tomé And Príncipe: AFCON 2023 Qualifier (10- 0) On 13th June 2021 by Emmyk(m): 3:34pm On Jun 13, 2022
VIKTO83:
This match will be d worst thing to happen to super eagles because it's not a true test of their strength. It will end up deceiving them and in d future it will be written that d new coach after winning his second match with a large margin lost control of d team due to his poor tactical approach to games.

Eagles winning Sao Tome is not something to celebrate.

Why are you so full of negativity? Damn.

1 Like

Car Talk / Re: Between China And Tokunbo Tyres. by Emmyk(m): 4:29pm On Jun 01, 2022
bonnyhope:


Oga, how is your maxis tyres doing

Can you recommend if for someone who wants to buy new tyres?

It should be fine. I sold the car November last year tho. grin
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 10:42pm On Mar 24, 2022
Goke7:


Try Tesco Bank credit card, if you get 90% approval go ahead and apply but anything less than 90% don't even try. One major issue is you having a full time job, if you don't have, hardly can you get a credit card
Thanks. I'll try.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 1:13pm On Mar 24, 2022
ritzzybaron:
Do I have to stay in the Uk for 3yrs to get a curve credit card

I’ve been in the UK for 3months and I don’t know if it’s possible to get a credit card. Would appreciate feedback from anyone on this, as I would like to start building my credit. Thanks guys


I'm also at this stage cheesy . Got in in January. Registered and make reports of my house rent on Credditladder, did a sim contract with 3 via direct debit, I am also on the electoral register, but no luck getting a credit card yet to build my credit history.

I got 60% approval rate for Lloyds credit card on moneysavingexpert.com, but at the end, I was told I didn't qualify for the card.
Travel / Re: Parenting In The UK As A Nigerian Migrant. by Emmyk(m): 4:17pm On Mar 17, 2022
Let me register a space here for the future. cheesy
Nairaland / General / Re: Which Year Did You Discover Nairaland ? by Emmyk(m): 7:05pm On Mar 13, 2022
2007.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 9:01am On Mar 12, 2022
Safeob27:
Hi guys, please permit me to post this question here, I just need advice from people already living in the UK

Please I have offers from Bournemouth university and Kingston university to study Adult nursing msc and I am having trouble deciding which to pick . I am well aware that Kingston is close to London so rent is so high but my husband is a banker and feels there would be more opportunities for him closer to London. Now if I pick Kingston are there areas with affordable rent we can live in , that is not so far from school ?

Please I would love to hear from people who have lived in Bournemouth or surrey please

Thank you

I live in Bournemouth and it's also quite expensive too. It's 2hours + away from London by Coach and only an hour drive by normal car. Studio apartment gets as high as £800 per month.

2 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 1:30am On Feb 04, 2022
TheGuyFromHR:


Of course you won't get any online or standard exchange rate in the real world.
Each time you withdraw, the banks include conversion charges.
Best to pull out the money in larger chunks or spend it on major expenses at a go such as the newly increased energy bill, for instance.


Thanks. I'll use your advice.
Travel / Re: Nigerian Students In The Uk How Do You Survive? by Emmyk(m): 1:30am On Feb 04, 2022
DisGuy:
Seems you have to deal with it like that. The general advice is to take £ to UK

A good conversion rate in the UK will be the banks offering more value for your Pounds rather than getting it cheaper

Oanda is also aggregating rate supplied by the market not necessarily the official rate. You can try post office or revolut if you have the cash at hand



Thanks for the insight.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Emmyk(m): 3:29pm On Feb 03, 2022
Hello everyone. I'd like to know if there is any bank here in the UK that I can get a good conversion rate similar to what is on oanda.com.

I have a GTBank Dollar card linked to my GTBank USD domiciliary account and I have been using it to withdraw since we got here and it appears no ATM is giving the rate oanda.com has on their website.

For instance, if I withdraw 100 pounds, I get charged about $158 (inclusive of charges), meaning 1 pound is around 1.55 dollars. On oanda.com, 1 pound is around 1.35 dollars. Abi there is now official rate and bank rate in the UK ni? grin

Kindly advice.

1 Like

Travel / Re: Nigerian Students In The Uk How Do You Survive? by Emmyk(m): 3:00pm On Feb 03, 2022
Hello everyone. I'd like to know if there is any bank here in the UK that I can get a good conversion rate similar to what is on oanda.com.

I have a GTBank Dollar card linked to my GTBank USD domiciliary account and I have been using it to withdraw since we got here and it appears no ATM is giving the rate oanda.com has on their website.

For instance, if I withdraw 100 pounds, I get charged about $158 (inclusive of charges), meaning 1 pound is around 1.55 dollars. On oanda.com, 1 pound is around 1.35 dollars. Abi there is now official rate and bank rate in the UK ni? grin

Kindly advice.
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 7 by Emmyk(m): 2:57pm On Feb 03, 2022
Hello everyone. I'd like to know if there is any bank here in the UK that I can get a good conversion rate similar to what is on oanda.com.

I have a GTBank Dollar card linked to my GTBank USD domiciliary account and I have been using it to withdraw since we got here and it appears no ATM is giving the rate oanda.com has on their website.

For instance, if I withdraw 100 pounds, I get charged about $158 (inclusive of charges), meaning 1 pound is around 1.55 dollars. On oanda.com, 1 pound is around 1.35 dollars. Abi there is now official rate and bank rate in the UK ni? grin

Kindly advice.
Phones / Re: Phone Engineers On Nairaland Willing To Assist You - Part II by Emmyk(m): 9:34pm On Jan 10, 2022
HRMK:
well,just seen!i am sure uv long replaced it!!

Lol. Sure I have. I have to keep telling everyone I no longer use the phone.
Phones / Re: Phone Engineers On Nairaland Willing To Assist You - Part II by Emmyk(m): 9:14pm On Jan 10, 2022
HRMK:
to avoid waste of money,replace it!

Check the date I made that post. It was 11 years ago last week.

1 Like

Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 10:20am On Jan 04, 2022
Pacypatty:


I will send an email now pls. Thanks
Great. I'm on standby.
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 10:07am On Jan 04, 2022
Pacypatty:


My friend is Going to Bournemouth University she would love to ask you some questions. Pls
Good day. No problem and how do we connect? smiley
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 2:22pm On Dec 15, 2021
ThaSlimKidd:


Not exactly. You'd be asked to click to proceed to the TLS partner site to upload your documents. (that's if you chose self-service during visa appointment date).
Yes you can log out and log back in. You'd be sent a link to continue from your last stop.
Hey bro, I want to ask a question about assisted service please.

Am I to print out all my documents and take them along on the day of my appointment? I currently have them scanned and in pdf format on my phone.

Kindly advice.
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 9:19am On Dec 15, 2021
Olomojola:

Please did you make your payment via their'HUB' or form A?
I made payment via 'my Hub'.
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 11:24pm On Dec 14, 2021
Olomojola:

Please when was this?

Towards the middle of November.

1 Like

Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 11:12pm On Dec 14, 2021
sadewodu:


Have you guys joined the whatsapp group for Bournemouth?

I'm not aware there is a WhatsApp group. Could you share the link?
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 11:11pm On Dec 14, 2021
Olomojola:
Please,for Bournemouth,how long does it take for CAS to be issued?

I paid on Friday, got acknowledged same day, I got my CAS the Tuesday after.
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 2:50am On Dec 14, 2021
Good day everyone. At what stage does one upload their bank statements? Just to know if I'm on the right track and I'll be prompted to upload my bank statements after the page below.

Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 2:12am On Dec 14, 2021
James4presh:
Yes u can and it the best way, I did the same during my hubby own.



Thank for your response. smiley
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 12:36pm On Dec 12, 2021
sweetoma:


I think you should take the Bournemouth that has placement, it will be easier to get job. I’m also going to Bournemouth for January
Finally seeing someone going to Bournemouth.
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 8:16am On Dec 12, 2021
hustla:


I dont think so

I'd use mine sha - as per guy wink
Lol. Aight. Thank you.

1 Like

Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Emmyk(m): 8:09am On Dec 12, 2021
hustla:


Both chats will show both POVs though

It's a two way thing

I know. Let me put it better, does it matter who is making the screenshots?

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