Wallsend is good and has some Africans around.
It's going to be the priciestin terms of rent for the places you mwmtikned and it has good transport links.

Durham is beautiful and picturesque.

Bishop Auckland woild be cheap but far from other towns and cities, fewer blacks.

I know nothing about Killingworth except that bus 63 and 63 go there.

Cheers.

Yhello4u:
Which area is best for a black family to reside?

Bishop Auckland Durham
Wallsend
Killingworth

I was put on the reserve list in March 2023, Im still there. Followed up a few times.

Honestly i dont expect anything from it again.

cbn4main:
Elders in the house.
Civil service just put my friend on the reserve list for an EO role. I want to ask on his behalf, how long should he expect the actual appointment?
People who have been on the list, how long did it take b4 you were appointed?

Your statement about a section of the country is a very unwise one.

Thinking about converting people's money in whatever currency is ridiculous. It's an economic and financial own-goal. I'll stop short of calling you an economic and financial criminal so the EFCC don't get interested in you.

After converting all the dom balances, how many months of import cover will it amount to?

You can not know.

Apologise for your unwise statement.

@Justwise please look at banning this person as it violates a few rules.

adekzy:
So in your non-vilifying mind, USA can sponsor with heavy aminution and funds to support Israel to maimed the poor Palestinians, but hamas can't defend their home country as well. You easily agree Hamas is bad because your mighty USA say so!

I have never run a domiciliary account nor use any to fund any travel, people travel differently and for different purpose, no be everybody be student.

GEJ sold Oil for over $100 per barrel of oil for 4yrs straight at over 2million barrel/day, with excess crude oil occount, what was the end result while he was leaving office, debt and borrowing to pay salary. (Else you too young to recall)

Today oil is sold at @ $81/barrel with less daily barrel of production and major infrastructure deficit, how do you plan to cushion it.

The country is not exporting much to earn fx, the lazy local businesses and elites are mopping the less available dollars just to save for future speculation yet you all are complaining.

You are Hungry, yet you still dey hide food for fridge, is that not silly
.

If so easy to blame the Govt. while we excuse the citizens actions as well.

Abeg my people!

Any juice on this?

LaXxOnebody:
Please can a paid mail/call be made for an application done in the UK?

I've checked severally and only our of the UK pops out.

I'd be very grateful for pointers in the right direction.

Thanks.

Please can a paid mail/call be made for an application done in the UK?

I've checked severally and only our of the UK pops out.

I'd be very grateful for pointers in the right direction.

Thanks.

Edited as there was a typo.

As an independent observer, can you tell me how the Tories will improve my life going forward?

I see you referenced APC & PDP from Nigeria's pre-2015 elections. The truth in there also is that government was terrible. Successive ones have just taken it further.

As far as I'm concerned you both haven’t made strong enough cases for the defender and challenger.

ReesheesuKnack:



Just compare what missjekyll is going on about with what Osinbajo, Fashola, Buhari, etc were saying in 2014 about ‘16 years of PDP misrule’.

Granted, the PDP was dog’s dinner by January 2015. The APC was seen as ‘the change’.
The APC fumed about $1 = N216
The APC promised allowances to all unemployed people. They promised better education, better everything etc… even vexed at the number of planes in the PAF (presidential Air Fleet).

Just like 2024 UK Labour, the APC failed to tell Nigerian EXACTLY how they will achieve their lofty ambitions. They failed to say precisely how they would raise money, and how they would do it differently .

That is precisely what UK Labour is doing now, they are hoping that the electorates will be so angry with the Tory status quo, and vote them, without questioning their policies.
Ask them the simplest question, and hear them pour out rhetorics about ‘14 years of Tory misrule’ . Oya how will you solve it? “14 years Tory misrule “. What is your policy on immigration? “15 years Tory misrule”. What is your policy on taxes? “14 years Tory misrule” How will you clear the NHS backlog? “14 years Yoey misrule “ The Labour Party has been leading Cymru for eons, how come the Health service in wales is not better off? “14 years Tory misrule”
Shuooooo…

Congratulations!

zeke100:
TESTIMONY TIME 😁

COMPLETION DONE AND KEY IN HAND

Barclays 5.4% 10% deposit with 2 years in the UK.

It will be ungrateful not to appreciate all the knowledge, nudge shared on this platform. As a silent reader for 2 years, following keenly, I appreciate everyone contributing to the topic.

Special thanks to Lexusgs430, taking his time to reply messages when contacted and even enlightening me with scenarios over the phone.

To anyone hesitating, It is possible.

Seconded!

Tolzeal:
Congratulations to everyone.

Can you please new owners help us with more details .

- Like Area of purchase.
- Average price.
- Average deposit.

That would come handy.
Thanks

Congratulations!

I hope this wipes the disappointment from the deal that didnt work out.

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

Congratulations!

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Check the Barclays website there's information on LISa there.

Ogonsbaba:


I haven't confirmed if Barclays bank offer the product. But please, how can I open a Lifetime ISA account? I bank with Lloyd's and Barclays bank. I'm not seeing anything related to Lifetime ISA in my bank apps. Thanks!

Is this for your mobile phone or mobile broadband?

Whichever it is, make sure you call or chat the Customer Service Desk every week for 4 - 6 weeks straight mentioning the difficulties experienced. They might offer to send a replacement SIM at first - take it.

Keep complaining and let them know how it is causing you a massive Distress and Inconvenience.

Let them know you'd like to cancel and look for less stressful arrangements after canceling.

Three Mobile just agreed to cancel my mobile broadband with 14 months left on the contract.

Good luck.
.

oluwaleokey:


Wish to cancel mine too coz of the poor network in my area but the said I will have to pay up the remaining balance...
Does it make any different? I signed my two year contract in December last year inside their shop.

Wish to switch to EE coz its stronger here... what do you advise please

Hopefully there'll be further updates because in one breath there's a restriction, and in another there's a contradiction.

About time too.


Her remark on homeless people and it being a lifestyle choice sometimes, as well as the incendiary comments on the Armistice Day protest probably were the last straws.

On to the next Suella/Priti/Theresa.

But David Cameron is in though. Makes more sense.

justwise:
Suella Braverman Sacked?

Did you stay anywhere else in the UK before your current address?

If so, use it. It should normally let you put an out of country address.

Capital One is fair, but check your eligibility ahead to avoid a hard search.

Good luck!

Efftyy:
Hi good people .

Please I tried applying for American express card.
But I haven’t use more than a year in the UK, the application kept asking me to put my second address,my Nigeria address kept being rejected .
Pls how can I go about it.
Thank you

And someone asked about Capital one card . Is the card okay ?

Capital One are quite bullish in the markrt and liberal about your visa status. Up to £1,500 means you wont get more than that, from my experience they'd probably grant you a £200 credit limit that can be increased to £800 a fee months down the line if your usage & repayment ticks all their boxes.


Go for it. Try to stay below a 40٪ utilizationof your credit limit.

Tenski:
I greet the bosses in the house. I have been in The UK for 3 months now.

I have registered on the Electoral roll
I have a sim only contract
I also have a full UK license
Rent is on Direct Debit

Here is the thing, I haven’t applied for any credit card before but i just played around Capital One today as i read that it won’t affect my credit score if i get rejected but to my surprise, i was accepted (Up to £1,500) but before i complete the application, i would like to find out from the experienced people here if Capital One is a good CC to signup for?

Thanks in advance

Thanks. Please can you point me to the exact website you patronized?

I went inline and there are 2 different websites which has me confused.

Thanks.

Owoado:
I got mine from Meaco’s website. It was even cheaper there than on Amazon.

Schoolhike will add his/her/their response

Hi.

A quick question. Did you buy on the Meaco webpage or from some retailer. There are 2 different websites and that money plenty pass wetin scammer go comot for my body. So which did you buy from?

Thanks.

Schoolhike:



Same as me, I wish I had purchased this product a year earlier, especially given its energy efficiency.

Since buying it, my kitchen's smoke alarm, which used to be triggered when I cooked, hasn't gone off once due to the air being purified by the machine, did not even need to open the windows. A storage area in my apartment that had an unpleasant odor is now odor-free.

The mold situation in my house was so severe that it turned the ceiling black. Relying on sprays wasn't effective, and using them even made us all ill including the baby due to the chlorine content, causing symptoms including catarrh.

I believe the inclusion of air purifiers in the device contributes to its higher price, but it's worth it. Gone are the unpleasant smells in the house, and even my towels smell fresh after it dried up.

This depends on the Landlord and could be sometimes true.

I had similar issues when i was trying to rent, so we put the employed person first and the unemployed person next on the form.

Jokuns1:
Hello, everyone. I have a question please. I've heard that if a couple plans to rent a place and only one of them is employed, they might have a lower chance of being approved by the landlord. Is this true?

Additionally, if we choose to list only the working person on the lease application, will this have any negative consequences for the other person who will be living there, or are there any other potential issues for the couple?

If you pay for your bills via direct debit i.e automated recurring/periodic payments or repayments for goods or services, then put 2 on the account you're switching to them.

America001:


I used my Monzo for it but it was rejected. I went to the bank but they said must have two direct debits from the account. I asked even though he explained but I didn't want to appear dumb.

What exactly do they mean by direct debits from the account?

I may also consider opening Metro or VirginMoney cos I wan dey chop switching money, I no go lie

Thank you very much for this detailed response.

I've also sent quite a few PMs to semmyk with no reply for a while. I do not know him personally or have any of his contact details, otherwise I would have reached out to him.

His style of analytical responses akin to what you've dropped here is what endeared me to his online personality. I wish him well wherever he is and will keep trying to reach him.

Ticha:


Have you reached out to SemmyK to check he is ok? Be a good fellow Nigerian and check on him!

If you don't need a mortgage then by all means have a go at auction. Be aware that all your buying costs are pre-loaded. 90% of the time, houses at auction have heaps of issues, weird covenants and could be unmortgage-able. You also need to complete within 28 days and once the gavel falls, you don buy house be that.

So to buy at auction, you need to have;

1. Collected/ downloaded and read the legal pack. So you will need to instruct and pay a solicitor to do that. Considering that you'll usually have about a month beforehand, it means you'll be paying premium prices for the solicitor to work through the documents quickly.

2. Have a 10% deposit plus any auction fees ready to go

3. Have any loans or mortgages already approved and ready to go - this cannot happen for mortgages at all. You maybe able to get a bridging loan but you'll be looking at interest rates of 10% to 12% over a max 18 month period. Most bridging loans also have interest rolled in so they'll give you the money minus the charged interest so they collect their interest upfront. Bridging loans also comes with fees of between 2-3% of the loan which you have to pay upfront. You will also need a broker. You must also have an exit strategy in place so when the loan period ends what will you do? Get a mortgage? Is the house mortgageable even when all repair work has been done?

4. Do a survey for information purposes rather than leverage purposes.

5. Have nerves of steel and good discipline. There is a reason majority of houses at auction go above guide prices. The guide price is just that - a guide price. Guide prices are also often deliberately set very low to generate interest and push people into emptying out their pockets. My friend bought a house in Liverpool at auction - the guide price was £1. The opening bid was £20k. She bought it for £180k and spent about £25k doing it up!

These days there is the modern method of auction which unlike the proper auction method allows you bid over the course of weeks. But you will need to pay all the sellers costs upfront before bidding and if you don't win, you lose that money - usually around £6k to £8k.

If you really want to buy this way, my suggestion would be to look for properties that did not sell at auction and then buy by negotiation. All auction results will tell you what the last bid was or if no one bid on it. You can then use that information to buy at the price point that works for you.

For everything auction, have a look at https://www.eigpropertyauctions.co.uk/

You can register for a free trial period which will allow you to see past auctions, guide prices, sold prices etc.

Has anyone ever tried getting a property via an auction?

Would you be able to survey it also?

Any thoughts or advice based on experience?

Bring back @SemmyK also

Hi, sent you a pm already

Godslove124:
Please house I’m currently in Newcastle and in search of accommodation and job.

Please help a sister settle down in this foreign land. Thank you!

If you switch your Lloyds or main account all your payments and details are switched too.

I wouldnt advise it though.

I aslo do not knownif Monzo accounts are accepted. If you want to chop switch miney you may want to open a Metro and or VirginMoney, you can then be switching those ones.

You credit score may be slightly impacted.

America001:


Can I switch my Monzo account?

I have a Lloyd's account but it's also the account I gave my employer for payment. If I switch it how does that affect me?

You can find someone who can download then collect via Xender or something.

America001:


I can't download the app. It's telling me it's not available in my country.

For all the 'Switch Hunters', Nationwide is offering a £200 switch bonus. Conditions are to switch a Current Account with 2 active Direct Debits.

Gotten mine now. Took 9 days from app download and all.

https://www.nationwide.co.uk/current-accounts/help/terms/current-account-online-switch-offer-terms-and-conditions/

Cheers!

Owoado:
For the Vanquis, both of us get £25 each if your application is successful

I just used your referral link successfully and got a message saying ive been granted £1,200. Waiting for the card and the £25.

tushqueen:
Edakun faa, where is semmyk, been so long he posted. Hope you are doing good?

Co-ask !!!

I asked this a few months ago and quoted him but no response.

Hi.

Where are you coming from exactly and by what mode of transportation?

Just so you know, you can connect Whitley Bay by bus or rail, most especially from Monument. The yellow line also loops around Whitley Bay from North & South.

Welcome to Geordie Town.

Opiso101:
Good evening everyone,

Please i need direction on how to get to *Whitley Bay*.
Anyone here staying in Newcastle?
I cant find the name of the train station in Whitley bay on trainline,

Someone should please help me.

Thank you

Hi @SemmyK

I'm trying to reach you.

Sorted?...if not...hit me up via email.

obofty:
Good evening House, I am currently in Newcastle and I need accommodation for my family and I.

We are looking for a 2 bed, preferably furnished but if not, that's fine too or even just a room tentatively.

Thank you

Barclays Eagles Wings has been announced for a while I believe.

Santa2:


Yes dependant can apply for global talent visa, although the endorsing body Tech Nation is windingup operations at the end of this month. Pretty sure a new body would be announced soon.