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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 8:23pm On Mar 25, 2023

Lexusgs430:
The more you read, the less you understand..... Ever heard of the 7 year rule........😂

Nah public funds go still pay for my eventual care .....😜😂🤣

The more I read, the more I do understand... cheesy

The 7 year rule applies to inheritance tax only, not to deprivation of assets. wink

2 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 8:14pm On Mar 25, 2023

[quote author=Lexusgs430 post=122058764]Ever heard of a trust...... We need to understand the concept of wealth preservation.......😁[/quote

I hope say you don do am already o...

https://www.ageuk.org.uk/information-advice/care/paying-for-care/paying-for-a-care-home/deprivation-of-assets/

3 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 11:16am On Mar 25, 2023

EJIOGBENIMI:
I need some clarifications pls.
I’m using “pay as you go” card for gas, for the heating system and the kitchen in my apartment. I recharge about £250 monthly.
We are trying to cut costs, so we just bought 2 portable heaters, to heat up the rooms only, to supplement the gas. Our electricity bill is estimated bill, fixed at £105 per month.
We tend to use the portable heaters a lot.
I’m just wondering if we will be charged higher on our electricity. I’m getting conflicting responses from guys here. Some said that I’ll pay the excess at the end of the year while some said that I won’t.
2) I’ve been trying to buy car. I live in a suburb in the far northwest England, so I couldn’t explore much on fb marketplace and private sellers nearby.
Is it safe to buy on auto trader? How reliable are diesel cars? They seem to be cheaper.

Dem go bill you for anything you use.
At some point your supplier go ask for a meter reading and will send you an updated bill based on the difference between the fixed estimate you have been paying and what you have actually consumed.

Or you fit get a credit if you don consume less than that fixed estimate.

Prepayment users pay a surcharge a bit higher than those on postpaid plans, and those who pay by direct debit.
Electricity is more expensive than gas, so you might be better off turning down the rads in the other rooms and still using your gas heating as opposed to the portable heaters, if you use them for a long time.

3 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 11:03am On Mar 25, 2023

Lexusgs430:
I gree ...... But when I checkout like Andrew....... Una dey naija dey hope say naija go beta, hope beyond hope .........😂

I take my young fresh face, dey scatter forest...... Now I don capture my lion 🦁.......😜😂🤣

Una MUST capture una lion's too ...... With a little bit of work, preparation, sacrifice and calculation........

Not a time for excuses ........😜😂

Leg don tire some people to dey run and lions plenty.

Capturing the lion of moving out of Naija to a place where you fit sleep with 2 eyes closed without seeing Buhari or Tinubu in your dreams is a big enough lion for some people in truth.

There may be the lion of rebuilding/starting career (for instance me don change jobs 3 times in 2 years and am interviewing for the 4th change soon, to hopefully get me back to where I bin dey for Naija career-wise), the Home Office visa fees lion whose size dey vary,e fit be lioncub for those wey dey health and care visa and full size lion for those wey no dey Health and care visa (to get UK ILR for a family of 5 is 32k, a house deposit already, citizenship makes it about 40k), lion of building up savings spent to capture the lion of relocating in the first place, before you get to the lion of house ownership.

All na lion.

9 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 10:14am On Mar 25, 2023

Bourne007:
Some lenders offer 5% deposit if you wanna explore that option.

Not when you're on Tier 2.

2 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 10:04am On Mar 25, 2023

Lexusgs430:
Point of correction, do you mind ....... 😂😁 28 years ago at a stretch + 3 years = 31 years in total.......🤣😁😜

I stand corrected.

So anybody wey land here last year already encumbered with pikins, with or without a career, possibly on a student visa, without permanent residence rights and [averagely, more than] halfway through their lifespan unlike you wey land as a fresh-faced young man with a full head of hair suppose measure themselves with a different yardstick to the one wey you dey use measure o.

2 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 9:47am On Mar 25, 2023

Lexusgs430:
Nothing in life is easy ....... Without sufficient pain, no substantial gain might be achieved.......

I am not one to give up or make excuses....... Although I agree, buying a property might not be for all .......

But while one person at retirement age, is mortgage free, the other is still paying rent .........😁😜

Again, e fit be say how life turn out.
Remember be say you land this country 25 years ago, some landed 5 weeks ago. cheesy

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 9:34am On Mar 25, 2023

Lexusgs430:
I received a whatsapp message, from one of us here.....

He said my rent mantra (RENT MONEY IS DEAD MONEY)...... Did not mean so much to him...... Until.....

His rent is currently is £1350.00 pcm (3 bedroom house) ....... He came across his Landlord's letter, from mortgage provider.......

The mortgage on the property is £355.47 pcm ......

After the cost of building insurance, LL is relaxing on almost £1000 pcm (What a return on investment)......

If you want your LL to keep doing dorime with your money.......... Keep renting, don't buy .......

RENT MONEY IS DEAD MONEY.........

Rent money is dead money for those wey get money for deposit and the residence status to buy house.
Given current prices and all the wahala, that excludes many people, even those wey be native Brits.

For many people wey just move here carrying their 3 pikins at the age of 45, buying a house fit no work for them yet because before you stabilise it might take a while and saving a deposit of 25% no be easy thing depending on how much you earn and where you dey plan buy house.

Quite a lot of these landlords bought these houses as ex-council houses in the 80s. Interest rates were indeed very high then, up to 15%, but the houses themselves were very cheap, such that almost everyone could afford to buy a house on one salary, with the man working and the woman raising the children, like it used to be in Naija. Now these days, even with most families having two incomes, house prices are so high that to see deposit na war.

Like everything else in life, everybody path go dey different. The amount of squeezing oneself and tightening belt beyond all the holes wey malam fit put inside the leather is a whole lot unless you dey somewhere were prices are low-ish, but those places are usually not where the jobs are. If you wan buy house for Jigawa, price cheap, but work no dey there. If you wan buy house for Lagos, price no be here, but na there work dey and you fit grow your career.

Buying houses outside areas commutable to such places also ties you down. If you buy house for Jigawa, live there for 1 years, come see better work for Abuja, how you wan go take am? You can only rent out a house on a residential mortgage for a limited period.

Demonising landlords is not helpful. Landlords too na human beings, no be all of them dey exploit. Some are paying interest only mortgages (which is why that money might be low), some too worked their arses off to save deposits and buy houses, so all na their own profit too. I own property in Nigeria. I buy the land for cash after saving from my pay, and took a loan from my bank to add to the money to build the house, which I built over time as salary worker wey I be. With all the yawa wey dey Naija, some of my tenants asked for consideration, come dey pay me rent in instalments sotay I fit see rent in 6 or 7 pieces. I evicted no one, still dey service my loan dey go. Some landlords are lousy, some are not.

And looking at the money spent on housing as a loss no be the best way to look at things. Person get to spend money on services, so you go spend money on transport, that one na money for Lothian Buses or ScotRail pocket, and e don go. You spend money on food, you go shit am out, and e don go too. As a new immigrant without a 25% deposit or Tier 2 visa and a willing lender, you go spend money on housing and that one too na service and that one too go go as well. It is what it is. Overthinking all that one no worth am.

If you get ability to save for a deposit and can afford a house, with all the stress testing of income and everything, go for it. If you cant, your rent money is definitely not dead money, it is paying for your shelter, which is one of the neccessities of life, like food, transport, healthcare, all intangible services wey no dey leave you with a physical asset after delivery.

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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 8:11pm On Mar 23, 2023

oluwaleokey:
Hello guys...
No be say I lazy o but overtime at work to meet up no allow person to read through from the beginning
The thread is so informative...

Like WhatsApp, are there starred pages with very vital information to avoid stupid questions and as well repeating answers over and over again

Like this now, nah only monzo account I get and have been operating with since
Please i want to open a regular bank account... don't know which to go for... read a little about nationwide and Halifax being good for mortgages, is this correct abi na which bank go make sense pass for every every?

I don't even know about this CC stuff until now... nawa o...
Any basic information on how to successfully progress nicely without issues in this youkay will highly be appreciated

All UK banks na basically the same.
The only difference is that some go give you better interest on their savings accounts than others.
Barclays is lousy in that area, NatWest has the highest linked savings rate of the high street banks.

Any bank/FI can give you a mortgage whether or not you have an account with them. Same with CCs , better educate yourself about what they are and how they function before you go collect lighter put for pocket.

5 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 1:11pm On Mar 19, 2023

AlphaUno:
I meant TLS here in UK that handles French visa with offices in Edinburgh, London and Manchester.

There's nothing you can do, apart from to dey continue dey check the website to see if person go cancel release slot or if you can, shift your waka.
I know the ones in England are crowded, it used to be war in Manchester, and even here in Edinburgh dem don reach mid-June already (I just booked).
I got a visa early 2022 and after that experience, I now planned 6 months ahead for this one.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 11:31pm On Mar 06, 2023

Viruses:
What's the average warranty period for used vehicles and what does it usually cover?

Anyone knows?

Arnold Clark, for instance offers a standard 60 day warranty on all their used cars, but I remember seeing a post where you were asking about finance and interest rates, so I assume you dey [plan] buy better moto. If you're buying a used car from a dealer, close eye and buy an extended manufacturer warranty as well, for a minimum of two years.

If you wan buy used car from a dealer who isn't offering an extended manufacturer warranty, no buy again, go somewhere else and buy with the extended warranty.

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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 9:42pm On Feb 22, 2023

Santa2:
Has anyone renewed Nigerian international passport for just their kid. I renewed my passport last year but now I want to renew for only my child but am a bit confused as the instruction says to use card for some else, one needs to register card. I not seeing an option to register my credit card. There is also a note that states that to qualify to use card payment for family, cardholder must also be an applicant which is not my case . Do I just go ahead and make payment. With this cost of living crises I no wan make payment wey go hang o

Yes.
I just renewed my pikins passports and I paid using my card and I didnt renew my own passport as well (I've a 10 years as opposed to 5 for them).
My madam took them down to London from Edinburgh, so I wasnt there. All went through OK.

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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 8:01am On Jan 26, 2023

pretty1986:
Thanks for your response.Someone have advised me that the best thing to do is for her to get Full custody of the kids from Court,when that is done,she can then include their names among her dependents without their names being changed to mine(new husband) and Uk embassy will still grant us visa.Saying that embassy will not mind if their surname is different from mine,for the fact that She have full custody of the kids from Court.Meanwhile,she still bear her family surname in her documents.Though,we planned to do Traditional marriage and Court wedding soon before applying for the visa.What do you have to say in this case please?

She can indeed get full custody of the children, yes. Even though again the papa side of the matter is still needed, it would be easier to do abandonment (Naija style) than for you to adopt them.

The bolded part na wetin I talk about blended families, yes, its correct that you can be married and your wife has stepchildren with a different name, and as far as say she get full custody, una go be one family still for UK visa matter.

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 6:50am On Jan 26, 2023

pretty1986:
Good afternoon Sir, please I really need your advice urgently about what I want to explain to you now.I will appreciate.My fiance is a Single mother of 3 kids and A Registered Nurse too here in Nigeria.Her ex left her with the kids for over 7yrs now and nowhere to be found.We are about getting married by May this year.Secondly,She is in the process to relocate to uk as a Nurse and we want to move together with the kids too.My questions now is,How do we apply for Uk health and care visa and what do we need to submit for the kids,so that we can all travel together.Again,since the 3 kids are not my biological children,but I love them, can you advise me to adopt them legally so that I can obtain a fresh Birth certificate for them.Please My Boss and other gurus in the house I really need advice here on how best to handle this situation.Thanks

Get a lawyer o.
And you don't need to adopt the children, you no fit do that without their father's consent. Your partner fit dey talk say the man took off, but him fit dey somewhere where he is unable to exercise parental rights such as in prison, long-term ill, or maybe na even she take off dey dodge the man (not to cast doubt on what she told you, but these things happen). Either way, his consent for adoption is needed. He should be traceable through his family/origins (village, for instance), who/which she must reasonably know if they were together long enough to produce 3 children, unless say na Tinubu him be.

There's something called the blended family concept whereby your marriage to/partnership with her is sufficient for immigration purposes without you needing to adopt the children as your own.

3 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 6:42am On Jan 26, 2023

dubaiprince:
Hello everyone,

Pardon me for the long epistle

I have a matter I plan to drag with my employer but would like to get suggestions probably from people with similar experiences.

I am on a tier 2 visa. I resigned from my current job giving them the required notice and the policy of the company says that they can claw back visa costs if I leave within 24 months of the issuance of the visa.

I joined the company in November 2020 on a tier 2 visa (the issue date on my vignette is 6/11) and this Friday would be my last day meaning that would make it 26 months. I however got a letter from the company saying they will claw back £3,779 being visa cost saying I was issued visa on 6/02/2021 which is the production date of my BRP . The BRP was delayed due to technical issues Experienced by Home office during covid (this is supported by a letter from home office) and it was stated in the letter that I already hold a lawful stay in the UK that my employer could reach out to them via a link they provided to perform right to work check. I provided all these communication to my employer then.

It is known that issue dates on BRPs are based on actual day the BRP was produced, they are not back dated.

So my point is that my employer cannot use the BRP date as the issue date of my tier 2 visa. This is because I started work with them in November based on the dates on the COS and the visa I used to enter the UK which is 6th of November.

Please which body in the UK handles these kind of issues. I know of ACAS and ultimately employment tribunal

Get a lawyer.
Find yourself one of those sharp Indian lawyers if possible, na them sabi the ins and outs of all these immigration-related matters.

3 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 9:57pm On Nov 20, 2022

Godrescues:
Hi Everyone,

Clarification is sought on a gift/benefit that looks too good to be true. Our house has received Energy Bills Support Scheme payment twice now (Oct &Nov) .I intend to return both as, I am getting uncomfortable. Are international students eligible for this ? Especially as the visa expressly states that we cannot have "no recourse to public funds"

Please I need to get this right. I don't want issues now or in the future .

Thank you

https://www.gov.uk/guidance/getting-the-energy-bills-support-scheme-discount#eligibility

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 9:40pm On Nov 20, 2022

LagosismyHome:
Chei... this is over £100. ... any recommendations for like £30.lol

I use a Phillips 5000, that one no reach 100 pounds at all. It should be about 30 pounds.
It's also reliable, I've been using mine for about 2 years now.
Can recommend.

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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 9:36pm On Nov 19, 2022

Preshyi:
Please how can someone on Visitor Visa access NHS services. Whats the payment like? Would love for my visiting family member to do some medical check up here.

On a visitor's visa you go private all the way, except when person get an emergency and goes to A&E.
You can't rock up to a public hospital and ask to see a doctor and say you wan make them bill you later.

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 11:01am On Nov 19, 2022

lavida001:
Guys this 20Hrs Term time work permit. What does it really mean?
Because some people said even during Christmas holidays you are not allowed to work more than 20Hrs. Please someone should clarify.

This has been thrashed out many times.
Which course you dey read - if na standard 9 months masters, your only holiday periods na your university's Easter and Christmas breaks and na then you fit work more than 20 hours a week.

Any other master's course length/undergraduate, ask your uni.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 6:24pm On Nov 17, 2022

Geebee5:
Congratulations!!! This made me smile.
Yes, will take the offer and it is a band 5 role. The rate at which private companies are laying off peeps is scary hence my decision.

Let's chat if you do not mind. I'll initiate it so kindly check you mail.

Lol, the fear of recession is the beginning of wisdom.
Speaking of layoffs, so far the economy still seems to be absorbing people and not regurgitating them, at least not yet, while the people who dropped out from the workforce during Covid still dey chill. Sunak and co are still waiting for the cost of living crisis to force people back to work.

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 8:01am On Nov 17, 2022*

Viruses:
In the event of a mortgage default and the lender sought to claim the property, will the buyer's equity be refunded?

If yes, will the refund be based on total payments made or current value of the property?

The lender sells the property, and takes the outstanding amount on the mortgage loan and returns any balance to you less costs of the sale (e.g. agency commissions, that sort of thing).

Bank no fit just flog the property for any amount that covers its own outstanding money. Legally it is required to sell for as close to the current market value as is reasonably possible. E.g. assume you buy a house valued at 100k with a 70k mortgage and your own 30k deposit, and you suppose repay bank 120k. After paying 20k, you default and the outstanding mortgage balance plus interest is 100k. Suppose the value of the house don increase to 150k according to a current valuation. Bank suppose use reasonable effort to sell the house as close to 150k as possible, then they take their 100k, deduct whatever is estate agent or auctioneer or appraiser or related fees, any council tax, ongoing maintenance, repairs made, etc., and return anything left to you.

You can sue the bank if they just hail the property for their 100k or less when its value is higher than that. Of course you go need to gather your own evidence of that, such as recent appraisal, property prices for similar houses in the same area, etc. Reasonable effort na for court to decide, but generally things like how long the property was offered for sale, how it was sold (for instance did they take possession on a given day and sell it the next week, was the property advertised for sale in the way that is customary in the industry, was the buyer an insider/connected party, etc.) come into consideration. Finally, if the bank actually and reasonably does sell the house for less than you owe (e.g you owe 100k and after everything and reasonable effort na 90k bank see from the sale), you are still liable for the remaining 10k and them fit send bailiffs come find you.

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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 11:28pm On Nov 16, 2022

prinzboi:
hello elders and everyone here. i have been a silent follower of this thread for months now. i got into the UK with my kids 4 Nov. wifey has been here for couple of months studying. however am getting bored at home cos i have been stuck with the kids as wify attends classes and works some other days. i need to get a job i can be doing even if its once a week.
all the jobs postings i have seen wanted 30hours plus a week or full time. can someone help out . i stays around Bolton.
i also needs advise on how to enroll my 8 and 5 yr old kids in primary school. i have registered on the Bolton citizen portal but couldn't find the link to enroll or queue for space except link for changing schools.

thanks in anticipation.

Go to the first page of this thread and check the pinned posts. Care na just one of the many alternatives for part-time work.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 11:26pm On Nov 16, 2022

dustydee:
Please on which site can I see NHS IT and tech contract roles? I am looking for Product manager, data analyst or BA contract role with the NHS. Thank you.

Try this: https://www.jobs.nhs.uk/
If you're in Scotland, NHS Scotland has its own jobs website.

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 11:24pm On Nov 16, 2022

lightnlife:
Just curious; do UK companies pay 13th month/end of the year bonus?

E be like say you don forget say na Low Pay UK you dey o.

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 5:33pm On Oct 31, 2022

Pearlyfaze:
Good afternoon Senior Men and Women.

Please I need advise and Direction on Life Insurance Cover.

My worries (May not be a genuine one But na still something i do think about).

What if person no kpai before 80, them go still reason the payment to my beneficiaries?.
I am asking because i have agreed to stay here for 120years in sharp mind and body.

Do they pay out the Cover on expiration of the term assuming the unexpected nor gree happen.

Please help clear me on this

You no wan make the insurance companies make money? wink

If you still dey when your life insurance term expires, your insurance company keeps your money.

2 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 2:38pm On Oct 27, 2022

orlabot:
Good evening everyone. Pls I want someone to give me a brief estimate of the percentage of tax and NI that is supposed to be deducted from the gross income of someone earning a gross amount of 860 pounds per week( working 10 hours daily on an hourly rate of 11.45 pounds) for 6 days a week.

I want to knw dis because I realize that I'm charged an exurbitant amount weekly which is more than the stated 20% I used to hear.
Thanks

Have you not received a payslip?

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 2:34pm On Oct 27, 2022

TheGuyFromHR:
The explanation may be this:

1. You are liable to tax once your income exceeds 12,570 pounds per tax year (April 6 to April 5).
2. Your employer enrols you for PAYE and deducts a basic rate (20%) from your pay each month.
3. At the end of the tax year, if your income did not exceed 12,570 pounds, HMRC will return the monies deducted from your pay to you.
4. Stop disturbing HMRC.

Hilarious, abi make OP stop to dey worry HMRC before they open case file for am and decide to start to dey disturb OP as well.

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 2:58pm On Sep 22, 2022

Mellady:
Hi everyone, please can someone on a student visa/dependent student visa apply for mortgage just 6 months living in the country if they have deposit and employment history?

In theory you can, but I don't think any lender will give you one, based on your immigration status.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 7:19pm On Sep 19, 2022

WhiteWolfe:
Okay, thanks. I'm in contact with a Landlord in Bolton, how easy is the commute from Bolton to Manchester City Centre (St. Peter's Square)

Depends on where you get house in Bolton itself. You go add travel time from the house to the railway station.
Bolton station is about 30 minutes or so away from Manchester Oxford Road station, from where you fit use leg reach St. Peter's Square in like 10 mins.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 3:14pm On Sep 19, 2022

AlphaUno:
In addition, PSW isn’t cheap especially for a family. It’s more or less like the last resort

Depending on the number of years the COS covers, PSW is not more expensive than a non health and care Skilled Worker visa.
The standard 3-year Tier 2 visa application fee from inside the UK is £720 per person, plus £624 IHS per year per person.
The 2 year PSW is £700 per person, plus £624 IHS per person.

No real difference. Na the people wey dey the health and care dey "enjoy", no IHS and cheaper application fee.

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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 12:15pm On Sep 19, 2022

hustla:
Seems these people are looking for ways to deny psw

Not really, the rules are there for everyone to see.
Another rule wey dey hook people na the working more than 20 hours thing, them use am evacuate many people this period.
If you want to know wetin dey really happen, na the immigration lawyers go tell you, you no go see am for Nairaland.

4 Likes 1 Share

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 12:08pm On Sep 19, 2022

Viruses:
Why wait in hope for CoS when you're entitled to PSW already? Any special benefit?

Will the stay not become illegal if the PSW is not activated and the CoS does not come as expected.

The special benefit is that on Tier 2 you are on the 5 year route to ILR, while on PSW you are on the 10 year route.
As she still has 3 months to go on her Tier 4, obviously, they can wait for up to that 3 months for the COS to appear, and if for some reason it delays that long, then she can apply for the PSW. The entitlement to the PSW no go expire until the Tier 4 visa expires.

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