₦airaland Forum

bigtt76:
Email them on enquiries@arm.com.ng or complaints@arm.com.ng I'm sure they will resolve it.

I would give them 7 days of grace...... 😊😁

bigtt76:
How did it go? I hope it went well. @Justwise?

It's still pending.....

Gerrard59:
To return home because most would. Before these proposed changes, the costs involved just to become a citizen were ridiculously high. Then imagine with say two children. I read some still carry their born born mentality enter UK. I recall one lady on Facebook narrating how she took on more shifts so she could support her husband, so they could cater for their four children.

They go about birthing children anyhow, even across the Mediterranean

How are you sure, the 4 no be importation from Nigeria....... 🇳🇬😂

Then go still love to born one, for the UK..... 😂😊 (tokunbo must dey dere family)...... 😁🤣👨‍👩‍👦

domin8:
Thanks Egbon for the reassurance. I only have a screenshot from Autotrader as the advert has been deleted from the website.

Tried checking for rental companies but the costs are high.

Do you have the screenshot of the vehicles description..... If you don't, your credit card provider would request it from car dealer.....

Try hiyacar or turo (this are P2P providers).... It might work out cheaper.....

Lassa fever loading....... 🤣🤒

hammed71:
it's not worth it

The shit or the wait...... 😁😂

Hopefully, Charlie would send him a cake..... 😁😂🎂🤣

justwise:
Still waiting for the full details..will this affect new applicants or those already in the UK.

It would be holistic, anyone that's not applied already, defaults to new regime.....

Peerielass:
I hope everyone that voted Labour are happy with these new development.

They wanted a change..... They voted for change........ 🤣😁😂

Inkredible:
You will get your money back faster through the CC chargeback.

Had similar situation last year but didn't pay with CC (huge mistake). I rang up and explained the issues. Offered them chance to fix in two days but got radio silence.

I spoke with Citizens Advice. Drafted and mailed over Right To Reject and Request for Full Refund to the dealer. I took the car back to a certified garage and got a detailed not fit for purpose and not roadworthiness clearly worded in their report.

I emailed them the report and made it clear this is the last correspondence before heading to court. Few minutes later they're on the phone wanting to repair it for free. I refused and instructed them to eithed mail me or I'll start recording calls for evidence in court. I also returned their car to the stealership and made a video of the condition on return capturing their office name and all that.

I stated then and followed up in email that I reserve the right to chargeback everything spent on the car including petrol should this end up in court.

At this point, they kinda got the message. Money was in my account the following week.

You can't do chargeback with a credit card, but with a debit card.......

S75 (within the right parameters), for credit cards.....

Gerrard59:
Very predictable. A Nairalander predicted this almost a year ago. Folks have to be mentally prepared to accept that they might not or will not be able to attain permanent residency due to the lengthy years and costs involved. For some, it might take almost a decade to fully become a British passport holder (alongside their family members). For that reason, if you see say it will cost you so much in terms of mental health, finances and otherwise, moving back to Nigeria shouldn't be an issue.

Such is life.

It's now a decade.... Expect cost to rise tremendously too.....

Settled status was 5 years, Kemi suggested 20 years, Keir is implementing 10 years..... Slowly, slowly..... They would get to 20 years....

Once they throw conversations in the air, not too long after, implementation occurs.....

Zahra29:
💯
it looks like that's their plan and they've spinned it as a positive discrimination i.e. fast - track settlement for doctors, engineers, community leaders etc instead of a negative discrimination.

I wonder how this will impact visas that have a shorter route to settlement like GTV

Tomorrow's proposals sound like they will be very tough with changes to most visa routes.

https://www.gov.uk/government/news/prime-minister-unveils-new-plan-to-end-years-of-uncontrolled-migration

When Kemi suggested a 20 year route, I said this conversations, are already held in closet discussions, cross carpet........ Here we go... 😁

domin8:
Long post alert

Hi Guys,

My car broke down recently (a Peugeot), and after a lot of back and forth with the mechanic, I got tired and ended up buying a used 2012 Toyota Avensis from a dealer on April 1st. It was advertised on AutoTrader as being in great condition. I did the usual checks — HPI, MOT history, visual inspection — but looking back, I think my mistake was not bringing a diagnostic tool on the day.

Two weeks later, on April 15th, the steering failed completely. A diagnostic scan showed serious issues, including faults with the power steering module and the car’s main control unit. The car is now unroadworthy and just sitting in front of my house.

I tried to resolve it directly with the dealer. Phone calls were cut short, and I was basically told off for asking about a refund. Even my mechanic, who called to explain the fault, was shouted at. The dealer then followed up with an email claiming I accepted the fault because I test-drove the car and got a small discount — but the faults were never mentioned at any point before the sale.

I was advised by Citizens Advice that, under the Consumer Rights Act 2015, I’m entitled to a full refund if a fault appears within 30 days of purchase, especially when the item is not of satisfactory quality or fit for purpose. They also confirmed this should be reported to Trading Standards — which they’ve done — and suggested I raise a Section 75 claim with my credit card provider.

I paid part of the amount on my NatWest Mastercard and the rest via bank transfer. The Section 75 claim is now underway, but what’s frustrating is the timeline. Two weeks for the bank to start the chargeback, 45 days for the seller to respond, and then potentially another 8 weeks for investigation. Meanwhile, I’m without a working car, relying on expensive alternative transport, and struggling to manage work and school runs.

If anyone’s been through something similar or has any advice on how to speed things up or handle the situation more effectively, I’d really appreciate it.

You have gone down the right route, you have done everything right.... You have initiated your '' rights to return '', within 30 days + S75 on tow.......

Unfortunately, no quick and fast rule.... You would get your full money back (possibly minus small for usage).......

Look for cheaper car rental companies, and hire a Toyota aygo or similar, to bridge the gap.......

NB: Ensure you have a saved copy of the full advertisement.....

Agidipie:
For those who have applied for American visa from the UK, I need assistance and opinion. I submitted my application and wants to book an appointment for interview. I was meant to visit the US on five days holiday at the beginning of September this year. I have already booked the tour and hotel which I used the dates for my visa application. while I was trying to book an appointment, I discovered that the earliest date on the calender was ending of September. Will it be okay if I reapply adjusting the dates of my travel/holiday, maybe October and November or should I keep hoping to have earlier dates for me to grab??

If i was in your shoes, I would NEVER book a holiday, if the countries visa is not already resting in my passport and my passport is resting in my potmonto.......... 😁😂

bigtt76:
True that. The ARM MMF gives close to 20-22% pa, they credit you daily (do your due diligence though). Good thing with it is that you have access to your funds at anytime (though when you first start, you must leave it in there for 90 days, subsequently, you can withdraw).

Done all my KYC, awaiting all OK..... 👍😁

bigtt76:
True that. The ARM MMF gives close to 20-22% pa, they credit you daily (do your due diligence though). Good thing with it is that you have access to your funds at anytime (though when you first start, you must leave it in there for 90 days, subsequently, you can withdraw).

Stuck at KYC, would complete details when I get home....... Their mutual funds look interesting.... 🤔😂

bigtt76:
Yes, thats correct. They have a mobile app too

Just setup my account with ARM.... Let's hide some money here, for 24 months...... 😁😉

Thanks for this hook..... 😊

Chinlov:
ok lemme try the branch if I jam any huddles I'm DMing you, daalu hinne


on Google play it says the item isn't available in your country. I guess because I'm here in the UK

any suggestions?

That's the only problem with branch, their app is region locked..... You could either use an older apk (not locked) or simply invest with Alat (wema)....

They offer similar rates.... Alat offers 8.75 Apr. I also have an Alat account, this is downloadable and updatable (via UK playstore).....

bigtt76:
Ha 😳 10k every week? Sounds good really. I do mutual funds (money market funds) with ARM (any other funds manager also that offer such) and I think they offer more.

You could get 17% with branch, if you intend to lock your funds in (till maturity)......

I am considering moving some funds from Alat, into branch for the 17% Apr (but I keep remembering, NEVER to put all my eggs, in one basket)..... 🥚😂😁

The 10% Apr, is paid out weekly..... 🤣😁

In Nigeria, they would be offering prayers..... 😂😁🤣

Chinlov:
abeg who dey use piggyVest here wey fit help me.

I just wan tie up some Naira we just dey lie idle and the app de challenge me i think because I dey us UK phone number.

or if anybody get account officer there abeg help me

Why not use branch? You get 17% APR for scheduled investment & 10% APR for ongoing investments......

An example of ongoing investment, 6M deposit, gives you 10K+ every week, paid out weekly....

Scheduled investment is paid out, at the end of term......

Greedy man, he is already of retirement age.... He should be in a residential home..... 😁😂🏡

They would now have to reduce cut off marks...... 😁😂🤣

Kobranet123:
broo😭😭😭😭😭

You know it's true nah...... Zoom on his picture........ 🤣🔎😂

Isn't this the same dwala, that worked with the same atiku, during his last presidential bid.......... 😁🤣😂

The boy looks like a cane corso...... 😁😂

bigtt76:
Haha ...when you do a search on "Fraud rate in Nigeria + Bank Name" the result tells a lot about the bank. FCMB gentle for the market not really good rates but no too much drama. They have an online banking app though called Rova.

I have accounts with both, and never experienced anything negative about their operations...... 😁😂

Regex:
Biko I need to buy a car for work, but my credit score ain't looking good. Where I go see car loan for poor credit?

If your credit score is poor/average, avoid car loan companies, for people with poor credit (their rates are extortionate).....

A typical example, they would be usually nice enough to offer you £0 deposit, but a £5K car finance deal, wouid eventually cost you a total repayment of £9K...... At the end of final payment, the vehicle is only worth £1K5....😁

Put together £2K5, and buy a decent banger..... 😁😂

bigtt76:
This looks like leaving a leaking basket to another basket . I would suggest looking at FCMB UK for their non-resident Nigerian bank accounts @justwise

Why are branch and wema, leaking baskets...... 🤔😱☹️


What's does FCMB UK, offer on savings account...... 😊😁

wonlasewonimi:
They are all stooopid. These are the distractions deployed every week so that they won't talk about Seyi Tinubu signing all contracts for the military, ministries and parastatals.

You're forgetting oil negotiations too...... ☀️😂

wonlasewonimi:
is it because of verydarkman?

Many ratels/youths, wants to see the end of GTB.......

GTB, needs to handle this matter with caution...... 😉⚠️