₦airaland Forum

Lexusgs430:
Apply for a credit card through your bank (salary account), it's probably the easiest route.

Avoid numerous applications, it would have a negative impact on your credit score. Each credit check for credit, leaves a footprint on your details.....

Thanks. My challenge is the website (halifax) is telling me I am not eligible and I believe they will also use this check.

I guess the issue is the less than 3years UK living history.

sharpboyus:
Capital one. 50 pounds credit limit for a start and never spend more than half of your credit limit.

Thanks. Will research on this

Happy Friday oo my e-fam. Please what is the best and easiest credit card to apply for? Need something to build my credit score since we can't even check our credit score yet.

I know this has been dealt with before but I can't find the info needed. Thanks

JosephLaoye:
Good morning Alphadoor, please I need guidance and template EA CDR report writing. I am now on that stage. I want to write for Engineering Technologist. Thanks.

Hope you are aware that engineering technologist is on pro- rata list, if you can assess as professional engineer the better.

Find template below

https://drive.google.com/drive/folders/0BznTUgIfmjS6NHFmcVlyeFB5a2c?usp=sharing

Hunnybee:
Hello ma. I saw you tried using Naric instead of writing Ielts twice. Could you please enlighten me about the process? Did you use your nursing certificate or degree? Did you apply online or sent your documents through post? Looking forward to getting all the help I can from you. Thank you

1. Naric is used in place of ielts for UKVI
2. Just go naric website and choose the applicable route (should usually be the red route)
3. You use degree certificate
4. Application online is usually faster but you can use post if time permits

Inkredible:
If renting a 2 bed or 3 bed property for 2 individuals, will referencing be done on both persons or just one?

We've focused really on bad tenants, but this goes both ways. How do we protect ourselves from bad landlords? Can prospective tenants carryout checks on these LL as well?

Ps: Thanks for all the feedbacks.

You will pay for both individuals separately once you declare and money Don dey rise small small be that after deposit (now usually 6weeks rent or more)

justwise:
You are searching in a wrong place, use gumtree and select private landlord OR place an ad in gumtree(free) and drop your contact detail people with a house to rent will contact you including letting agencies and scammers.

I'm telling you this from personal experience, immediately i placed my ad on gumtree a scammer contacted me for a house to rent then i asked for details and pictures of the house and that was sent to me in no time.

It a lovely house and the deposit was very reasonable, he told me that he wanted somebody who will look after the house because he is always traveling bla bla bla, when i looked at the address of the property i discovered that i know the street which is just few minutes walk from my house and the email he contacted me with in gumtree was different from the one he used when sending me the property details.

Then i knew that if ran a search with the gumtree email nothing will come out because gumtree would have probably done that too.

When i ran a search with second email i came across many victims of his scam from all over the UK including US then i contacted gumtree to report it.

The rest of people who contacted are genuine and one of them is my current landlady.

Thanks for this. That deposit and reference money no be here.

justwise:
Private landlord anytime anyday. No crazy deposit demand, no agency fees, no reference fees etc.

Really I did not know this oo, but haven't seen this search options for private LL on Zoopla and right move. How do we get this?

Lexusgs430:
I return with my financial bug bear issue........

If you are considering buying a property in the UK, key terms you MUST be aware off.......

Leasehold

Interest only mortgage

Freehold

The best to buy is a freehold property....... Completely avoid buying interest only mortgages, like a fish bone stuck in your throat....

Leasehold properties are good, but ensure you understand all the key facts, and all payments due going forward + repairs due etc etc etc

Also avoid buying council flats, like a plague in the night.....

All this terms still dey confuse me, maybe when I get to that stage sha, but on the average what's the price one should look at in getting a 3bed semi detached in west Midlands and deposit that will be required?

babarexo:
Paid your first year fees of 5500gbp for a master course in full, travel to the uk on student visa to work almost full time for two years in order to raise cash to stand a better chance to apply for a canadian or Australian student visa or migrate else where before your student Brp expires.What is the possibility of raising 10000gbp in 16months working almost full time since you are not concerned about the uk degree.Advise needed please.Thanks.

You have been advised but the usual mentality of "Nigerians abroad are lying" is preventing your from listening.
I know you may not need advise but I will still say this again.

1. If you have paid for the course ask for refund.

2. You can not hustle and raise the cash for any PR because you will be receiving minimum wage which you think its a lot by converting it to naira but after you have paid your rent, transportation, food, phone, utilities bills etc you will be left with nothing.

3. You can not raise that money in 16months and you can not be on Tier 4 visa and not go to school and be working (work is even scarce for legal pple), the school mark attendance like almost every month with the aid of UKVI (Dt is it in simple english) so once you abscond, you become illegal and say bye bye to your dreams of any country's PR again.

4. The money you have in Nigeria can satisfactorily see you through any PR scheme with additional hustle UK masters won't add any special value to it.

5. Lastly, Why do you think admission for UK masters is easy and fees expensive, there are enough checks in place to ensure you don't stay back as an illegal migrants.

6. If it's UK masters by force u want, come oo and you have 2 choices which are to stay illegally or start extending ur stay with PhD and accumulate the years (research on the cost of that).

Ire ooo!!!

Lexusgs430:
LOL......... It saves carrying cash for purchases below £30.00.....

You would even forget the location of your Debit/Credit cards..

You can forget ur cards when u r a big man now, me I am still coming up

Lexusgs430:
Simply go cashless.... Use contactless payments through your smartphone (apple pay, Google pay or Samsung pay).....

Simply tap and away you go, you never need to carry those heavy coins again.......

Bush girl Like me, always afraid of that contactless oo like fiam money has gone

sutelk:
Who else is tired of all this coins? They just de make my wallet heavy and noisy, in fact my wallet self don tire. You leave some at home, you come back with more. Fear no let me carry my ATM card de waka, I don hear stories about the alaye for here. I nearly vex dash them to all those oyibo beggars at the city center until I count them and convert to naira. How person go de Carry 5000 naira coins waka about?
In order news, person go hear word for office today, all those "it's coming home people" go gentle today.

Lol @ the bolded and enough of me forming interest in world cup or football

babarexo:
Good Day House.I sincerely need your input.I want to apply for a masters in project management at middlesbrough.what is the possibility of getting a job after the two years programme.Kindly enlighten me if it is possible to work part time for 8months to pay up a balance of 7000Gbp tuition fees for the second year.Gurus please your advice is sincerely needed here so I dont make the mistake f my life.Thanks

You have made a good decision asking about it but it's left for you to listen which is key. The school is only interested in sapping all ur funds with the subtle deception of getting you a job, bla bla bla but the truth is, getting a job on student visa is almost near impossible and you have the looming time running out on your visa and fear of going back to Nigeria.

Seeing all dose advert of come to UK schools and deceiving Nigerians of there money (that a lot borrow for the POF) that can get them a better status in other countries always irks me.

Go to other threads and read on either student visa or Australia and Canada PR, that's your best chance

Ralphlauren:
is this GP practice in Scotland by any chance?

one Scottish GP tried the same stunt with a family friend of mine.

in his own case, the GP practice had a separate form(which they had prepared/designed themselves) asking for immigrants (non-UK and EU residents) bring a letter from his employer or a letter from his accountant (if self employed) before he and his family can get registered at the GP practice.

this is after showing them passport, driver's licence and their BRP cards not forgetting the fact that the entire family had paid the NHS fee.

i was furious when he told me as i saw it as nothing but balant racism. since when did proof of employment become a requirement to access healthcare services in the UK? meanwhile, this my friend is on the upper tax bracket, resident in UK for 4years+, pays NI and doesn't claim any benefits.

we went together on the nhs website and we were able to get the email address for the local health board and I helped him in drafting a strongly worded complaint letter quoting several sections of the equality act and asking them to explain why LEGAL UK residents are being treated separately from the UK/EU citizens and also why they have been denied access to healthcare. he also attached a copy of the form he as given by the GP practice.

the complaint was taken so seriously by the health board and it was escalated to the nhs head for scotland. my friend got a letter of apology and by the time his wife went to register, they had stopped handing out the racist registration form and stopped their foolish requirement of asking for proof of employment for immigrants.

he is currently registered at that same practice and he tells me he and his family is treated very nicely whenever they have to go there to see a doctor.

Its not in Scotland oo, England. At least dis experience has told me the complaint will be taken seriously.

[quote author=DisGuy post =69218893]You can email or write to your local CCG or ask for PALs in your area, they will speak to the Practice manager who will get in touch with the proper registration process...all in all avoid the Surgery as you will no doubt encounter the sloppy receptionist when trying to book an appointment or get repeat prescription[/quote]Thank you. Will try this. Change begins with me

Lexusgs430:
The issue you experienced, is simply lack of training or been out of depth, from the people you encountered.

They have probably never heard of or seen a BRP before. The office manager would be fully versed in all matters BRP.

You can send a complaint afterwards, but it is not likely to end in financial compensation (simply because, you have not been out of pocket).

Just return on Monday, accept their apology and simply get registered.....

I agree @ the bolded, I am not even looking for any financial compensation, haven't been charged for anything but they were not even being considerate and remorseful. And also want them to learn that BRP IS the official record for staying in the country.

If verification was important, I believe they could have registered me then say, we will still need our practise manager to ascertain if this is enough not rejecting me more than 3ce without proffering a solution.

dustydee:
This is so wrong. And to think you paid IHS. Please take it up and don't just let it go. I suggest you go back and ask for official line of complaint and also send a mail to your MP explaining all that happened.

It's that one they pain me sef because I havent even used their services at all and money is wasting

DaveChapelle:
I think you just met a headstrong person....Just get your tenancy and you could have presented email bills, like your contract phone and or bank statements...I don't think its a big deal. If you now give them all this and they still refuse you, then you can ask to complain to the Practice manager. Don't go on google and write a scathing review, cos they might blacklist you and give you tough time!

Issokay oo, hopefully they will resolve it

Mamatukwas:
Nah this was entirely unnecessary. Even without BRP most GP’s would register you... as long as it’s ID. Something is wrong with those folk. Wouldave said leave it but they might do the same thing again so yeah escalate if possible... issue now remains if anything will be done about it

So I thought oo, that is why I even want to make either a review or complaint so that it doesn't happen again. Thanks sis

DisGuy:
You can/should also make a complaint against the GP practise. Gp receptionist are one of the rude clog in NHS. Getting an appointment is rocket science. Make a full blown complaint and also avoid the place afterwards.

Thank you for the suggestion, how do I go about that?

Guys I really feel I should make a complaint officially asides Google review. I am open to suggestions sha on how to ensure this doesn't happen again or to anyone else.

So after my stressful week and all, I struggled to go to the GP before close of business yesterday and presented my BRP and passport and did not bother with proof of house residence since they have that. After several meeting inside and all na so they come reject my BRP oo that they need something that specifically says I am a permanent resident in the country, and they can't register me because of that.

I then asked for the speficic document needed, it must sha have a name and if they specify I can know what they want from me but she kept saying it can be anything just something to say I am based here, at this point I was getting irritated and frustrated and trying not to loose my cool and she said they can't register me and they assumed I was going to bring something that specifically says I am a permanent residence hence the assurance of getting it resolved quickly.

The part that got me angry was when she said they can't register me and if I really needed it I can easily go to another GP that there are others just outside the door and if not I should wait till Monday for their patient manager to decide if they can accept the BRP.

In all this banter I showed them that my son who is affected with the same issue already has his NHS number and asked why they never sent any letter to request for him to prove his resident status before deactivating him.

After all is said and done, I left there and decided to register with the next door GP who later discovered that I was not even registered with them in the first place so was never issued a number but somehow somehow my son's own was approved while mine was disapproved and he was not born here oo.

Also, I probably won't even realise this problem if I had not called them and I agree with oga lexusg430 that there incompetence even did not allow them help or offer a solution, they just acted like the usual naija "government" workers.

So I am thinking I should either send an email to UKVI stating that I was denied health registration and access because of my BRP after paying health surcharge for 3yrs advance oo and maybe NHS as well. Too much or too little

DaveChapelle:
GP service is supposed to be free irrespective of immigration status, as well as A&E, except the managers at the GP just want to give you hard time

So I thought just hope it's a one-off occurence

Lexusgs430:
It could be an identity theft issue, admin error or just plain incompetence.

Allow the investigation and re-submit your details in the interim, for re-registration....

Health is wealth...... If you desperately require any medical intervention, the time would suffice......

Hmmmn @identity theft I pray not oo. Thank you, will re-submit and see how it goes.

To UK veterans, pls what could be wrong. I called to book an appointment with my GP and also request for NHS number as requested by the dentist I plan to register with, only for them to tell me my records show inactive because I have transferred elsewhere which I obviously did not do and was told to call the next day for them to investigate.

I called again to be told I must have transferred my records, which is impossible because I haven't even visited any GP since I did my registration with them. Eventually the lady asked if I do have resident permit to be in the country and I need to show a proof of this before they can re-register me and I remember I submitted all this before.

It's even so annoying because I don't really have the time to go there and this will affect my dentist appt. And apparently it affected my sons documents too after he took all his shots with them o.

marylandcakes:
Even if you are a British citizen, if you have not lived in the uk for 3 years the government will not pay your school fees.

Does govt pay for university fees? Just thought it's way cheaper than international fees. Na them sabi sef. Education coat is on the shelf for now

Aphrodite007:
You can’t pay home fees until after 3 years of continuously living in the UK (and paying taxes). I learned this from a guru here. I’m sure he will tell you the same thing when he sees your comment. Unless it has

I knew there will be a clause to it sha UK isn't nice when technically you are not an international student. Just raking the money in. Wont mind knowing the source of the clause in case u find out.

Your analysis about oyinbos caring more about skill is right but the degree also helps getting your foot in the door with applications and interviews for some profession. In my own field now they can't fully test your skill during an interview so basis will still be your educational and professional background.

All in all, over certification isn't necessary

marylandcakes:
You are not alone, £30 or you would have pulled your hair out. It happens to the best of us. £30 for your rest of mind. Next time, what you do is once you’ve switched it off or locked the front door. Say it out loud to yourself. That’s what I do . It sounds crazy but it works for me .trust me you will remember.

Thank you sis. Will try that.

DaveChapelle:
OCD thingz

So I hear but till it happens... then one will be glad

Aphrodite007:
can’t be too safe dear. No too vex for the money iye

Thank you jare.

Aphrodite007:
Hey.

You’re welcome to the UK, land of crazy possibilities for programmers. First of I’ll advice you X the masters. If you insist on doing the masters now, you will put a lot of pressure on hubby to pay tuition fees (at intl[b] student rate)[/b].

Saw something on gov.uk that you can pay home student fees if based here and I can confirmed from a university near me. Though the fees will still be like 4k5 per yr depending on the duration and course programme, which is still a lot of financial pressure.

And ofcourse the evening tram too was cancelled because of one spoilt cable and elongated my travel time by more than an hour.

Now the energy to refire my driving lessons has been renewed