₦airaland Forum

Luckymama:
Yes. Tuition for entire program is 18k dollars. Personal Savings Account statement used had over 40m.

Hubbysluv:
@justwise and other gurus here please help me clarify this.

My husband will be my dependant, and he is the one sponsoring me. Will they ask me questions about the money in my account or how i was able to make such money?

Also do i need to include my husband business document or bank statement apart from the total money in my account when submitting his application because i am confuse or just our marriage certificate, chats, pictures etc.

Luckymama:
Yes just wise, you are right and I learnt that on this thread. But we added the sponsor’s personal account as well. We just added the company account to show his source of income, because I was wondering if he just supports me with his personal account won’t they wonder where his money is coming from? As per he does not have paid employment as a business man.

Luckymama:
So I got my GCMS notes today and I have to say I agree with all those who say the GCMS notes help you see the main concern of the VO. The reason for the rejection was a lack of funds which did not make sense to me because I had more then enough funds for my entire program plus upkeep.

Turns out the VO was concerned that [/b]we did not supply evidence that my sponsor had control of his company account[b].
Note, we submitted three accounts:

1. Mine in which the sponsor had already paid in my tuition and upkeep.

2. His personal account which was also okay

3. Company account to show his source of income as a self employed person because otherwise we had no evidence of how he earned his living. We also submitted incorporation documents of his company.

How does a self employed person show his source of income without showing his business account?

piazon:
@justwise

Please, I need explicit explanation of the 28 days rule in regards to account statement for UK student visa putting currency instability into consideration.

let say I funded my account yesterday with #5.36M and at yesterday's exchange rate (oanda) at £1 equal to #476 and it was sufficient for my maintance. if tomorrow naira looses value to £1 to #490 and on the day I want to print my statement it went to (£1= #465) . did I meet the requirement as requested by UK embassy?

Kekereekun123:
https://www.nairaland.com/5471101/canadian-express-entry-federal-skilled

https://www.nairaland.com/5818588/canadian-student-visa-thread-part.

What is your age, degeees, work experience and years of working.

Capitalbase:
Good morning all. @Justwise, please are U suggesting to some of us whose course starts September Or October to defer the admission to January so we can have time to work and raise "Sufficient" funds to cater for our needs? If so, can U please sir, explain this further.
Because the way this world is headed and this our "Beautiful" depressing country, I no won go pay money now, dem come beging tell me online matter or do half here go complete am there. Matter just tire me. Make Una help me settle am o!!
Thanks

STENON:
I saw 0 for income tax on my P60 that was sent in april 2020.

STENON:
Thansk, my current employer is removing NI tax but not removing income tax yet

STENON:
Yes, I won't get any refund from the previous place of work. According to HMRC the tax paid by the previous employer was removed from the total income tax I am owning for 2019-2020. Assuming my new employer has paid the income tax for me, I should have been eligible for a refund from previous employer but without any debt.

STENON:
Update ***
I called HMRC today and told them about the tax letter and it was confirmed to be true. I gave my new employer P45 from my old employer and I think they didn't act well on it. HMRC said I don't need to worry much about it as the mistake was from my new employer so the payment will be spread for 12 months.
The annual personal allowance of £12,500 is not taxable, but any amount above that amount is taxable for income tax irrespective of your visa status.

Thanks to everyone for your assistance

Ikjosh04:
Msc in an engineering course.
Tution fee:£20k plus. Discount of £3k plus is very likely to be given. Now looking to raise £6000 to complete the tution fee and also the living expenses for the 1yr program will be taken care of by the money earn while working in uk.

Ikjosh04:
Justwise and others pls what type of jobs will you recommend for someone that is hoping to pay 20-40% of his tution fee using the money earn from the job while studying?

STENON:
The best is to pick sense in what Justwise has said. UKVI didn't send him a letter for breach of student visa or anything, he studied, sticked to the rule and finished well. He has been advising people to stick to UKVI rules which is an advantage if we do that. He is living his good life in UK.

If you like work 100 hours per week, remember everything has a record and your future applications shall tell the story.

Peace !!!

liliberth:
All this one you guys are saying is skoto meow........oga said have everything prepared before leaving Nigeria. Don't cheat the government. So if he didn't have everything and worked why discourage people who want a better living outside. That's my own question.

pretty1986:
.Good afternoon Justwise and other gurus in the house I greet u all and Happy new Month. pls I want to go through the website of UK visa Application Centre in Nigeria,so pls can someone show me their active website?. thanks

BouharryArtikou:
False.
Students pay income tax. Once you earn more than allowable personal income. Any extra shishi is taxed.

You got the refund either because you did not earn above the personal income allowance, or they made a mistake. I strongly believe it’s the former.

Again, students pay income tax.
There is NO WAY a student who earns or earned £21,000 per annum not pay tax. NO WAY.

STENON:
Thanks. My uni international office is yet to reply to my mail.
My employer replied this evening and said "You have been paying income tax accordingly, and that’s a matter that you will have to take up with HMRC with your payslips supporting your position"

I have asked 6 of my friends here too, all said no but just one mentioned that she is paying the income tax. I am waiting for the response back to my mail from my uni before calling the taxman. And the only thing I am considering is that I have actually earned more than the personal allowance limit so I don't know if truly I am to pay or not. A call to taxman will sort things out soon. Thanks alot for your concern.

STENON:
Thanks alot for the clarification. I don't really know much about this tax of a thing. From the document, I have been taxed before reaching that Personal allowance with the last employer and no refund was made.

Now that I am above the threshold of 1250L taxcode still working 20 hours as it was written on my new employment contract too. The P60 shows zero pound was paid as income tax, and some amount were paid for NI.
HMRC letter threw we off balanced as they said they will start the deduction from my salary as from April.
I plan to phone the taxman to hear his view and I have also contacted my school international office to know what to do .

wisdomiskey:
Even if I do, the same trolls will derail it with their baseless rants.. everything is "abroad vs Nigeria", "rich vs poor", "who lives in Lekki and who lives in a cubicle", "how 0.01% of the population are making it "big" in Nigeria" and other silly, simple-minded verbiage...

I honestly can't be bothered anymore

umarwy:
1. No rent to buy,
2. Thank you.
3. Not looking to rent the property out.
3 I have a help to buy ISA account thanks

profemebee:
just to add...

please whats the consequence of one not being able to pay mortgage for maybe 1/2 months maybe cos of financial issues? will the house be immediately reposessed? any rules?

Lexusgs430:
Hence freehold and be 100% staircased at inception of the mortgage.....

Lexusgs430:
When it's time to staircase, you get a financial shock..........

umarwy:
Ogas and Madams I hail oh

I wanted some information and tips regarding buying a home in the UK,

What are the mistakes I should avoid?

Is rent to buy and shared ownership as good as it looks??

Housing association, chain properties etc. Please any information is appreciated

Location: What happens if a job comes and one has to move

My main reason for considering a mortgage is I am tired of paying rent.


Thank you in advance.

@justwise
@lagosismyhome
@stenon
@lexusgs430
@dustydee
@et al

STENON:
Nope. But I have informed my employer about it but no response to my mail yet. I will wait till monday before calling my tax man

STENON:
My first employer at the care home paid it for me but I didn't get it at the end of the financial year despite my tier 4 student visa. My current employer doesn't pay because of my student visa status when I started work with them and HMRC brought a letter for me that I am owning. i am just confused as I don't know the right approach to solve this.

STENON:
I am more confused with this. My tax code is 1250L, it was generated when I was working at carehome. But now earning more than that from my teaching job. But its 20 hours and I am on student visa from Nigeria. I checked and Nigeria is also on that list you sent here.

LagosismyHome:
Ok... thanks for the info . Students or you mean students from Nigeria or countries with double taxation treaty

Did you get your tax back because calculation turned out you were taxed over personal allowance or you got your tax back even on amount over the personal allowance