₦airaland Forum

Viruses:
Since you have decided to go down dirty, I will just leave you alone in the mud, no need to fight dirty with a pig. Perhaps you stay at Peckham, Hackney or just about anywhere in Birmingstan.

where I stay should be the least of your worries, however where you come from I recon is one slum in lagos and you think you are better than those who live in Peckham where average house prices is above £500K

ProfJYK:
One also is more likely to be approved for a low limit beginers credit card with poor credit than a loan.

Also, there are other reasons for taking a credit card apart from Credit Score.

Like it's also been repeatedly advised,
watch your spending,
only spend what you can pay back in full.
Watch your statement closing dates keenly.
Start with free cards without monthly or annual fees.

Follow these above, you will be fine.

The bolded can be achieved o nce one is financialy aged!U k now CC is like a spirit singing spend me, spend me

Viruses:
I thought the longer you stay in a place like UK, the more civilised you become

Yes this is true but for some riffraffs like you one got to go down n dirty and remind them that as a Warri boy, you cant come on here and chat shyte and get away with it, E dey we body las las nah you go drink the panadol!SO if you cant stand the heat stuff ursef outta the kitchen or better still foxtrot OScar!

justwise:
Loan is not better, if managed your cc properly don’t pay interest or charges which is not the same with loan.

you recon bro, check this loans has fixed repayment CC dont, they charge you on interest of the balance unless you clear your balance. However on my previous post I did state that o ne should stay away from CC until such time they are financially matured. Its an advice though as we all fell into this false sense of enrichment when we started, myself inclusive.
Don't you agree that a store card will do o ne much good than a CC?

MadeMen4Life:
Lol…. Take am easy bros, no be all newbies dem gada money send come UK… Some of them were really doing well in Nigeria before coming here… Your tone too harsh…
If na like this other Ogas for here dey reply, the decorum for this forum for no be like this…

Now I made a joke now it did not sound funny and you are being funny about it,U see the thing with you lot is you like to give stick and cant take back, just one joke you threw ur dummy outta the pusher

nellaluv:
What advice do you have for me. I learnt how to drive in Nigeria before I came over. I'm not an expert. The only time I was behind the wheel was with an instructor .

Since you already know how to drive then I will say book a friendly instructor to teach you how to pass, it might take up to 6 lessons, you should be orite

Ivan18888888888:
Pls . Who can help me with a really good bmw electrician on the island

if las las you find one and they do not have a basic scanner dont let them open your car hood.

omopapa:
See ancestors dey show their sef o

just cos all una village people gather money send you come Uk does not mean we all came here at age 30 some of did come here at age 19

CheesyTee:
I'm not even worried about the charges.

I'm more concerned about the reference they provided for the prospective landlord. I forwarded the emails we exchanged with the old agency to the landlord and she mentioned the apartment was clean enough but would rather speak directly with the old landlord.

Oh dear

CheesyTee:
Yes, it was and they deducted the £200 charge from the deposit and have the balance sent to us.

Did you guys not challenge and send pictures to them? wow

ProfJYK:
One also is more likely to be approved for a low limit beginers credit card with poor credit than a loan.

Also, there are other reasons for taking a credit card apart from Credit Score.

Like it's also been repeatedly advised,
watch your spending,
only spend what you can pay back in full.
Watch your statement closing dates keenly.
Start with free cards without monthly or annual fees.

Follow these above, you will be fine.

I understand what you are saying but like I will repeat if there is an option between loans and credit card you should always take a loan. There is only one winner in taking a credit card, THE CREDIT CARD COY. Repayment is fixed in loans but that's not the case ion credit cards. One of the reasons new comers in the UK run to credit cards is this misconception that the money is almost free to spend 4gotting you got to pay all back at some point. However when one reaches a level of financial maturity in the Uk a credit card is a must as it offers more protection when doing or paying for goods or services but for newbies NOP

CheesyTee:
My people, please help chook mouth for this matter.

The current place we live in is not suitable for kids. Although the landlord came to fix some of the things we complained about, he only comes when it's almost time for the next rent.

Why not move out you may ask. Especially when we didn't sign a long contract. It's really tough getting a house to rent on the island as most house owners either do short-let (Airbnb mostly) or put the property up for sale.

We have been applying for houses advertised online and have no luck securing one.

We recently found out the reason through this potential landlord the reference provided by the previous house agent. The agency said we left the property dirty and they had to professionally clean it. Even though we cleaned the property ourselves and sent images as proof but they still charged us £200 for cleaning and repainting.

I am so down and don't know what to do cos this place is quite expensive and not suitable at all.

you can file a complain, was your deposit held with a deposit scheme?

wonlasewonimi:
Please tell me its too small

erm paying as PAYE or Self employed?

wonlasewonimi:
It doesn't make any difference if you have been paying for the past 22 years. The question is if you have paid over 45k in a single year?

What a silly question, Do you have any idea what £45k is?

semmyk:
There's a soothing effect that IRB 35 and P60 bring sooner or ltr: whether delayed, instant, onspot, aggregated, err, inadvertent...
Just do your own (360) self assessment and be (Boys Scout) be prepared.
Inbtw, I had a +ve and the aftermath HMRC cheque was therapeutic! in that first year.
#matterclosed

Bro that self assessment nor be if you work for yourself ni
if you be PAYE you are at their mercy still. but you an challenge once you get a basic idea of how it works

wonlasewonimi:
You can't understand.. Do you know why freelancers were fighting tooth and nail for them not to implement the ir35 legislation and lump everybody under umbrella company?

Bro why wont I understand, I have been paying tax in the UK for 22 years, I even get pikin wey don begin pay tax sef

specialenvoy:
Yes being driving from Nigeria --Manual car and buses to be precise but never driven a car in the UK

Ok all you need is for you to pay for at least 6 lessons for an instructor to teach you how to pass

specialenvoy:
Passed my theory test today on the first attempt. Practised with this Theory 4 in 1 app below, someone recommended it on this forum sometimes back.

I used the Free Pass Guarantee option, and practised the 763 theory questions and 85 hazard test videos all in 3 weeks. I highly recommend the app for anyone preparing to take their theory test.

Meanwhile, I appreciate any guide to studying for the practical test

Great. Naturally do you know how to drive?

wonlasewonimi:
Bros HMRC no dey look face, this one even small..if I tell you how much I paid in tax last year, you go run. Let's just call it obscene! When I called to complain, it was as if I was being punished. Na to siddon look

Bro nah people dey run am, if you th ink something is wrong speak up.and always check your taxcode and pay attention to your P60

Viruses:
The system somehow pushes you to build credit and using credit card is one of the ways to do that. When I just came and was looking for accomodation, landlords/agents were talking about credit score, it sounded strange but brought the idea of credit to my consciousness.

you can build credit without credit cards.You are better off taking a loan than a credit card

MichaelUde:
And the Post Office CEO woman na reverend, o.
PO was aware all along that there were problems with the system, since so many people were all of a sudden reporting shortfalls, but they suppressed that and still prosecuted innocent people, drove them to poverty and destitution. That takes a level of cruelty that is really shocking.

The poor man killed himself

wonlasewonimi:
Lmao erico2k2, we have been in this game for a while nobody worked with his papers. These are IR35 things

£6K for one year bross? or was it accumulative? what is his tax code when he is owing that amount
anyway nothing surprises me in this Uk anymore since a computer accused post office runners that they stole money and someone killed themselves, I gave up

Viruses:
I won't dispute you further. But just so you know, my wife received a cheque yesterday refunding her 440 because she was overtaxed in the last tax cycle.

She lucky woman, I wish I get to receive a cheque, them people just add it to my tax code, last year I got 700 on my P60

Blazeens:
Just to reiterate what others have warned. Credit card is not free money, to spend is easy na to pay back hard. let's all be cautious on spending. i saw someone saying he no get income but got approved by credit card.

No be anyone prayer to enter debt, keep eye clear, spend wisely cause this no be naija, they go take their money laslas. no do pass yourself at all.

I just say may I talk this one because as things dey go for this amex trend i see stories that touch forthcoming in the next few months.

They never know until its too late, Why anyone new to the Uk should apply for a credit card beats me, live within your limits guys!

DeeOneBangin:
Everybody knows HMRC will collect every dime owed to the last penny, nobody is disputing that. But the fact remains that I didn’t get taxed till about 5-6 months (only NI deduction was reflected on payslip, income tax was always 0.00) and I know a couple of newly arrived that this has happened to. How that happened, I don’t know.

And instead of someone just completely knocking off erico2k2 which I feel he is correct because it kinda applied to me.

And las las I got a letter saying i owed £138

well at times its the fault of your employer. However you can challenge this if you check your tax code and work it out cos they are not always right, toomany people jst pay

wonlasewonimi:
Don't worry you will pay the tax back. They will create a tax code to claw back any tax you didnt pay. You might not even realise they are doing it. My good friend just paid back about £6k

Ask your friend very well if he is self Employed he is the one who failed to remit tax however if he is PAYE someone else's was working with his name knowingly or unknowingly

deept:
HMRC money no dey lost. Of they don't collect it this tax year, they will collect it the next tax year

He will receive a P80 you have paid too little tax
.....

These days they will just adjust your taxcode, however people do not spend time viewing thier P60s

DeeOneBangin:
Someone gave a clear explanation and you just knocked it off by saying he is wrong.

To dey drop opinion for nairaland sef don dey fear person. Public forum oooooh!!!

FYI, I didn’t get taxed until after about 5-6 months in the uk and I was earning like 2k monthly. My only deduction was NI.

YOu will get to know that some people who talk like this are basically assuming and do not earn £1 in the UK, for the 15 years I have been on this Forum I have seen loads like that nothing surprises me these days

Viruses:
I want to apply for Amex credit card and I'm looking at Platinum Cashback Everyday Credit Card or The American Express® Rewards Credit Card. Does any one have review on any of these that can guide my decision?

What credit card do you already own and howlong is your credit history in the UK?

Viruses:
No thank am o. His explanation is wrong even though he sounded confident.

Tax allowance = 12k plus
Annual salary = 24k (assumption)
Monthly salary = 2k.
Taxable income = 12k (i.e 24k -12k)

You will be taxed monthly throughout the tax cycle (i.e one year). Meaning instead of paying tax on 2k monthly, you will be paying tax on 1k monthly. If your salary is less than the tax allowance (i.e 12k plus), you won't pay tax at all.

His explanation is you won't be taxed for the first 6 months till you have earned above 12k and that is wrong.

You are getting it wrong I never put a time scale on it, I just said when you earn above your tax code which is your taxfree money. for example if you start a new job May this year and you earn 2k B4 tax and you decide to quit and take a break and go to Nigeria by September and yor tax code is 12000L, howmuch tax would you pay lets see if we get thte gist

phyl123:
It depends on your tax code, if you started work after the tax year has begun and you have got M1 after your code e.g 1200L M1 you will be taxed on a monthly basis but if your tax code is simply 1200L it will be accumulated until you have earned more than your personal allowance.

You my friend understands how the tax works, the problem with the newbies is the like to jump into conclusion without properly analysing the whole fact. Another fact is this two people might work in same place earn same 24k per year but mr A might take home more than Mr B cos of tax codes. Back in the early and late 200os you get a cheque back cos you have been overtaxed cos your tax code was based on BR 20% but these days HMRC have upgraded instead of returning your overtaxed money the simply adjust your tax code to reflect the money they owe you.