₦airaland Forum

Does Portugal allow students to come along with dependents

freedomtours:
Good afternoon guys University of Algarve is now open for 2026/2027 admission cycle,
the beauty of it is that you can apply without legalized documents, all you need to do is to authenticate your certificate at MOE&MOFA then you can apply. you can confirm that from the section other your choice program, try and check the slots available for Non EU students, though it is around 25 slots for international students and application fee is 50 euros, but since it is competitive now, one needs to add other additional documents like good motivational letter, good CV, experience letter, English proficiency and Eligibility letters, infact any additional documents that can aid you in being considered for admission.

Thank you for this…

Please does this authentication at MOE and MOFA require physical visit to Abuja?

March 2024

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My baby has been falling ill of malaria every month, every month for the past 4 months .. and we have been giving her camosunate based on the doctors prescription. Please what could be the cause for the incessant malaria, I’m thinking of going herbal.

My baby is 9 months old and has been treated malaria every month since she clocked 6 months

Educationalserv:
you can't EFCC will do it on your behalf .
Goolgle it they Just recovered 45m in Kaduna from a guy that Japa with bank 45m

Alright thanks

AndroBlaze:
All I'll add is I wish you the best.

From experience I know it's not easy, but the aim of my post was to help you understand that life goes on and must go on. Those who appreciate this faster move on from this roadblock and this challenge just becomes another grateful testimony.

All the best again.

Thank you

Educationalserv:
irrespective is a Schengen visa he can be tracked by interpol and eupol
Write a petition to EFCC
Attached bounced check
Give them a lead
A criminal cases will be instituted
They contact Italian embassy

Please how do I get across to interpol and eupol

erniok2:
This is so messy. Like someone advised, can you write and petition to the Italian embassy with evidence 9f his fraudulent act. That is if italy was to be his last bus stop.

Okay, I’ll do that, thanks

erniok2:
Do you have an idea the country and specific location he travelled to? Was it student visa he got? Didnt you have any idea of the travel?

Italy, not sure about the type of visa, I didn’t have any idea of the travel, I just found out not too long ago

AndroBlaze:
I just realised you are a woman and you have asked this question before and I had answered you then.

I seriously hope you have taken my suggestion of moving to the other bank seriously.

Just to encourage you a little bit more, the advice I gave you earlier was coming from personal experience as I worked in sales and had colleagues who went through the exact same thing you did.

One thing I noticed is the women struggled to manage their suspensions due to apprehension and worries while the men simply moved on with life usually in another bank.

They say no situation is permanent, which is quite true in banking (as they could call you back whenever they feel like), but we are all adults and have meaningful lives to live, no manager or institution has the right to be playing with your future and giving you high bp for simply doing your job.

It’s not about being a woman or a man… it won’t be easy getting another bank job, because the new employer will still carry out background checks with my former bank, before my employment will be confirmed.

Like you advised, I’ve accepted the new bank offer, but I have just few months (before confirmation) to clear my name with my former bank

And that is why I’m here, seeking for advice on how to recover the loan, if possible through interpol

johnwick86:
My brother commercial banks ? Report them to CBN , human rights , that is breach of trust like I said except you are part of the scheme. As a commercial bank they ought to know the regulations guiding against loans .
You are not obliged to do recovery because there's an arm in every money lending institution. Withholding your salary is criminal offence or maybe your employment letter states that you will be held liable for any loss to the bank that is why always consult a lawyer when you get employed

I wasn’t part of any scheme, I just did my job, and giving out loans to customers is part of my kpi, all due diligence was properly done

johnwick86:
I guess it is an MFB nah them sabi this kind of nonsense.
First your job as a sales person is to bring business to the bank , they did their verification, it went through CAM , the risk department vetted and approved it by declaring the customer credit worthy , management approved for disbursement then you have no case except you are part of the game .
Now placing you on a loan recovery mission let me ask what happened to the recovery department? What happened to insurance on the loan ? What happened to his / her guarantor?,
Institute a legal proceedings on the breach of your fundamental rights by withholding your salary .
I am speaking from experience during my time with an MFB , they are very complicent most especially all these unit micro finance bank

It is a commercial bank

lavylilly:
How about written documents of his guarantor?

We have it

lavylilly:
You completed loan appraisal

Loan passed through approval authority
Check if the customer left next-of-kin contacts

Check if he had any collateral, guarantors, or BVN-linked phones

Notify your bank’s credit recovery team to escalate to:

BVN watchlisting

Inter-bank blacklist

CBN Credit Risk Bureau flag

For cross-border issues, some banks work with international skip-trace services

Customer was verified with BVN, address, business doc

You attempted recovery via phone, SMS, and known contacts

Customer abandoned business and absconded

You even attempted to reach the embassy

This protects you from any claim of negligence.

A borrower who intentionally absconds has committed fraud.
But you have not.

This situation is recoverable, and there are structured ways to protect yourself so your career and finances don’t collapse because of one customer’s actions.

You’re right boss

Educationalserv:
start a legal process with the bank cheque
Then send the petition to EFCC
Then find out where he Japa to
Send the petition there
A woman recovered her 45m
Form the Banker

Ok… Thank you

motymop:
Search his name on the Internet.

If you can trace his work place abroad..
Contact his employer with proof.

I promise you, he will pay back.

I’ve checked, no record online

thisisit:
GO AND LIQUIDATE THE ASSET WHICH THE BORROWER GAVE YOUR BANK AS COLLATERAL OR SECURITY FOR THE LOAN....... USE THE PROCEED TO REPAY THE LOAN................... SIMPLE

There was no collateral, the only security used was insurance bond, and other banks cheque (which was presented and bounced back)

Jogs1900:
We
How much and was it an unsecured loan?
Did you give the final approval?

30m naira, it was secured with just insurance bond, and other bank’s cheque (which has been presented but bounced back)

I gave the approval at branch level

Kobojunkie:
So, a staff that disburses a loan to a customer is made personally responsible for whether the customer pays for it or not?

Yes, for temporary overdraft

NL fam please we need your assistance here.

I work with a bank, and gave out bank loan to a customer.

The customer used the bank’s money which was supposed to be for his business to travel abroad.
Immediately after he got the loan, he closed down his business, and due to this japa, he has been unreachable, and has refused to pay back.

I have been placed on indefinite loan recovery suspension without pay, until Ithe customer is able to pay up the money.

I’ve tried to reach out to the embassy to no avail.


Please help

Kobojunkie:
Did you take out the loan yourself -- serve as a guarantor the loan, maybe-- that the bank would see fit to count it against you personally? 🤔

No, I was the staff that disbursed the loan to the customer

NL fam please we need your assistance here.

I work with a bank, and gave out bank loan to a customer.

The customer used the bank’s money which was supposed to be for his business to travel abroad.
Immediately after he got the loan, he closed down his business, and due to this japa, he has been unreachable, and has refused to pay back.

I have been placed on indefinite loan recovery suspension without pay, until Ithe customer is able to pay up the money.

I’ve tried to reach out to the embassy to no avail.

Please anyone with an idea on how to recover this loan should please assist, thank you

Kobojunkie:
Why are you being placed on indefinite loan recovery suspension? Did you co-sign the loan for the customer who is nowhere to be found? Na both of una take the loan together abi wetin? 🫤

If your salary has been impacted, I would recommend you go for the second job. What have you got to loose? 🫤

Before confirmation at BANK B, they will run background checks with BANK A to confirm employment status, credit status, employer history etc

If they find out that there is a bad loan tied to my name, it might lead to outright dismissal

I presently work in BANK A (a tier 1 leading commercial bank in Nigeria. I’ve been placed on indefinite loan recovery suspension since a month ago, and still yet to recover the loan as the customer (debtor) is at large. Prior to now, I’ve been applying for next grade in other banks, and doing interviews, I just recently got a mail to come for documentation and medicals with BANK B (also a top tier 1 bank).

BANK B will most likely run background checks on me. I don’t know if these checks will be before offer letter or before confirmation.

Now my question is, should I go ahead to accept the offer from BANK B, while I’m still following up on the loan recovery for BANK A, or should I just decline the offer.

Please experienced people should assist advice, thank you

I presently work in BANK A (a tier 1 leading commercial bank in Nigeria. I’ve been placed on indefinite loan recovery suspension since a month ago, and still yet to recover the loan as the customer (debtor) is at large. Prior to now, I’ve been applying for next grade in other banks, and doing interviews, I just recently got a mail to come for documentation and medicals with BANK B (also a top tier 1 bank).

BANK B will most likely run background checks on me. I don’t know if these checks will be before offer letter or before confirmation.

Now my question is, should I go ahead to accept the offer from BANK B, while I’m still following up on the loan recovery for BANK A, or should I just decline the offer.

Please experienced people should assist advice, thank you

Please does GBS MALTA accept dependants for masters degree, also what is the tuition deposit, thank you

MichaelSokoto:
Thanks!
am sure it will be close to #100k now...

abi wen was urs carried out?
pls

It was carried out mid last year

Though the type of hospital carrying out the procedure determines the amount you will be charged, of course you won’t expect a private hospital to charge you 40k for the cerclage

Thank you