₦airaland Forum

Hwy9:
Thanks for this. Is there any issue with me spreading my payments across 12 months as against 10 months communicated in annual statements sent to me before April 2024. Is this enough ground for additional liability being recorded for me?

You can only pay 12 monthly if you set up a direct debit. You cannot choose to do this yourself hence why it shows you're in debt because it is not pre-arranged. Whatever you do, DO NOT ignore the court summons and pay by direct debit instead, easier for you because any missed council payment is court palava.

amanze54:
Baba Lexusgs430 you are also an experienced man in this UK. Please drop an input in this my request below

Please I need some guidance, advice and feedback...

I have two offers which I am divided on which to choose

I am through with my MSc in Data Science here and already on tier 2 courtesy of my wife who got a sponsored support work

The first offer is a prison officer with a starting salary of 28k.

The second offer is a Department of Education Financed training to be a physic teacher with a bursary of 28k for 10 month, I will be paid 19k while 9k will go to the Secondary school providing the training which is affiliated to a university. At the end I will be given QTS ( qualifications to teach) and a PGCE. Now at the end of the training, I am required to look for a teaching job.

Please I need a guidance on which to go, given the peculiarity of this country.

September is start date for both.

Do not mind any grammatical error.
Note I can't do both given the way the training is structured

Option 2...no brainer!

A guy that shares his phone pw

Even as a lady, I am extremely annoyed and disappointed with your story. If she is using jazz sef, e no suppose work reach like that haba.

Bros, please RUN, FLY, DISAPPEAR or do whatever you need to do to never see that woman again. You deserve better!!

Crystalom5:
lolz. That's a great assumption there. That only the man is full of BS.

I don't think I implied this here...We all know that no one is perfect so everyone has their own BS. Just saying that what a woman would tolerate because she is dependent on the man is very different to when she is not. I am sure I referred to partnering, this implies that both parties have to meet in the middle, and put in the same energy to make it work.

Crystalom5:
personally and from experience if ladies talk about independence, all I hear is the space to still fvck around.

I no mean am as insult. Just my personal experience.

But honestly, aside preventing you from other guys, I don't see any other way a relationship takes away your 'independence'

Your POV is not what I meant. Many women I know cannot keep a man due to them being independent, not for fear of this being taken. In simple terms, as an independent woman, you become allergic to BS. You don't have to entertain a man's BS and can very quickly move on if he is not partnering with you, because you're not dependent on the man.

Independence. Period!

Does anyone know who is taking Naira notes in exchange for £ in London/Essex please?

igbsam:
Make una no vex o

Abeg how dem dey bill water usage in this UK. I moved into a property in September 1st. I got a letter from United Utilises with a bill of 384 for August 31st, 22 to March 31st, 2023. This doesn't make sense. I have been trying to reach them to explain what's happening but not been able to speak with them. Maybe cos its weekend.

Someone pls enlighten me on how this works.

It means the property may not metered and the bill is based on an estimated usage of size of property and the number of people living there. You need to contact them to either ask for them use metered billing, in this case you'll still pay an estimated amount per month but when your readings are taken, it'll be adjusted if needed, or if there really is no meter at all, clarify the number of people they have used for your property as it my be different to previous occupants.

Nobody can advise you because you're the only one that is living the life and know where it hurts.

You have children together, sooo many layers to uncover, you also need to know why she is cheating - if she is doing it for cruise, then you should know the next steps to take because it will never stop. If she's doing it because you're lacking in something, again, na you go know....it is not a simple yes or no situation. People advising you are not walking in your shoes so they can never understand.

My only advise to you will be to critically think and not act on your emotions, and whatever you do, PROTECT yourself!

I pray for wisdom and grace for you.

eniola1010:
I have been checking my eligibility and sadly i have been having 0% chances. It seems one gets cc approved if you have spent a number of years in uk and if you have like 2year inflow of salary and you have a stay permit

Please be patient with these things, all will fall in place in time. Usually, after 6 months with your mainstream bank, they will let you have their lowest (high interest) credit card. This is the case with NatWest, if you use them as your main bank account, i.e you salary and bills in and out of the account. I know barclaycard will also give you their foundation credit card after you have maintained a main bank account for 6-12m.

Your bank account also helps with your credit record so you don't necessarily need to rush to get a credit card. Take your time please because credit searches also have a negative effect on your record.

In the meantime, you can register on the electoral roll because you're from a commonwealth country, just search electoral register on google and use the gov.uk link.

Wittyglam:
What do you want in a woman as a man ?
As a woman what do you want in a man? Don’t air me let’s chat.

Godfearing - has to love God and be a praying partner with bad boy vibes
Kind - never keeps malice or use silent treatment as a tool. Always considerate and respectful to everyone.
Affectionate - expressions, kisses, cuddles, hand holding etc.
Attractive - clean, dresses well and smells nice.
Intelligent/Smart.
Talks a LOT but not loud.
Mature - tolerant, knows what he wants, lets love lead in times of challenges, open to discussion and never goes to bed angry. If he’s quick to anger, I am too but I am just as quick to reset so as long as we understand each other and open to talking about it, we’ll be good.
Reflective and remorseful, and man enough to identify where he has gone wrong and rectify this.

Ayowolebami:
Their school is saying the 30hrs is FREE for nursery as against 15hrs and not asking me for a dime/code but anyone with code will provide to the school and school will claim back their money from council as the subsidy is from the school's pocket.

This subsidy gangan is what I'm trying to clarify cause my understanding is that 2-4yrs in nursery is 15hrs free for everyone so I'm asking if anyone knows anything about the said subsidy. The woman who attended to me said she once worked in Oldham and it's 15hrs for nursery there but most schools in Manchester is 30hrs FREE even for nursery.

Your best bet is to apply online via the gov website, this will tell you whether you qualify or not and it will ask all the pertinent questions. The one thing you must know is that there's no FREE in this country if you're not genuinely entitled to it because they will find out, even if it takes 20 years and they will claim that money back from you so don't see free train and jump on it, unless it is for you.

Mamatukwas:
I’m more curious as to why a home visit is necessary for nursery admissions where you are. Is that the norm in England? Seems strange.

Yes, some schools adopt this practice. They believe it helps the child settle better in school but to be honest, it is just them being nosey, British people and nosey are twins lol.

Akorkor:
I am just wondering why automatic car is so expensive in the Uk. The price difference between auto and manual is just so annoying.

Is there any other site apart from gumtree, FB market place to still compare prices?

Check Autotrader.

Automatic is more expensive because of availability, it is pure economics. Most Brits drive manual, therefore manual is readily available so the availability/demand ratio of autos is what makes it more expensive.

Goodluck x

All these things you describe does not sound like something that just suddenly popped up. You would have seen these attributes before marriage and should have either both agreed that they were going to stop or you should not have married her at all, knowing that she had shortcomings you could not overlook.

Sorry o, but na you open your eye let sand sand enter. Go for counselling or just tell her your wants and intentions if they're not fulfilled. If she agrees to adjust, all well and good. If she says she is married to Jesus, you berra leave her alone o and find whatever makes you happy.

Officialkplus:
Hello house, I recently moved into the UK on August 12 this year and I came in with my international driving license from Nigeria, So to ease my movement of moving around the UK.

Now after I recently purchased my car a Mazda 6 grin grin
Paid the road tax successfully.

Now to get an insurance, I discovered I’m going to be charged about £7000 /year for insurance ��

Please, how do i go about the insurance, as it’s illegal to drive without a insurance in the Uk ��

Omg that is really high. You for no jump buy car immediately like that o because insurance rates are also dependent on your credit record. As you have just arrived, you won't have built a record yet.

You can either check comparison websites that will search the whole market for you or your best bet is to find someone that completely trusts you, and is willing to do the insurance for you and add you as a named driver. This will reduce the amount significantly, though it is hard because I won't do this for anyone except my immediate family so hopefully you have good people around you that can help you with this. If not, you better sell the car and use public transport for a while until you're settled in.
Sorry o.

rofemiguwa:
Goodmorning everyone.

Please I need help.
Considering cost of rent affordability and transport cost to London and also raising a young family (childcare cost)

Living in Colchester or Kent which one makes more sense

What part of Kent? However I am biased towards Essex so I would pick Colchester.

Once

Karma for the other 2 hearts that I broke

Anyway, I will never break anyone's heart again because that shit is painful AF. I have learnt to appreciate the love that I get because if you love someone and they don't love you back the same, it's just cruel.

dmg1:
I've seen the cries of some men about their wives denying them their conjugal right, I just laughed and marveled at the same time.. how can a man being the head of the family belittle himself by begging his own wife for sex ... This can never happen in my house, the moment I notice your defective behavior towards me, I'll immediately activate my 'I don't mode'. And at this point whatever you wear/do cannot attract attention...

I'll now be seeing you as a friend (just friends without feelings attached), if kids are involved I'll give you money to prepare meals and other things that will make life comfortable for my kids, and you'll not enter my room stay on your own while I stay on my own,,

And as for sex, I'm not really a fan of much sex but if I need sex, being a man always with plan b, there are so many young beautiful damsels available to do justice to that....

If I notice you're cheating, that's the day you return back to your parents house (no forgiveness), remember I didn't deny you sex, you have to finish what you ignited...
Brothers/men never be at the mercy of your spouse, else you're finished....

Lol...so you won't forgive her cheating but you will cheat. I laugh in broken englaise. Why do you have to go through all these trouble instead of just walking away, since you're not willing to address the main issue and bring harmony back to your home?! As you will no longer see her as your wife and just as a friend so what are you staying for? both of you cheating on each other then killing each other afterwards?! God save the king

I am sorry for your destiny You have already been given the grace to see the tendencies, you better believe it and either accept that club is her middle name or you vamoose. What you cannot accept when you're rich, don't accept it when you're poor abeg.

9jaHustler:
Dead money indeed, my 1k5 deposit and first 3 months rent came from money I bought black market from Naija.
The last house rent I paid in Abuja b4 I bough a small house there was 1m a year so coming here to pay 1m a month was scarey initially.
I honestly pray that someday we can be able to get mortgage to buy our own house here. We are hopeful

Amen and amen.

hustla:
Hi Elders,

I have a friend (na friend o. ) who has been maxing out his credit limit (I think its £500 / £600) and has been paying it back

Warned him about the impact on his score but he claims it wont affect anything as long as he pays back in full every month

I am curious as to how this actually impacts his score as general guidance I see online it to keep it under 30%. (I keep mine under 15% to avoid stories that touch the heart and soul)

Some input will be appreciated as I plan to show this to him.

Credit scoring is relative and this has absolutely nothing to do with how lenders determine credit worthiness. It only helps to show us, credit consumers, our overall credit health. All lenders have various internal criteria that they use to determine affordability so generally speaking, having a 25% credit utilisation is good for scoring but this matters where, I for example have a very large line of credit so my 25% is A LOT. Therefore lenders will see that I am able to cope with the credit I am utilising and will be happy to lend me up to that amount. As your friend only has a very small amount, using it all and paying it back will show lenders that he can be trusted with that 500 however he MUST never go over by 1 penny or miss a payment because that will totally ruin his credit, it is safe to always repay using direct debit and also stay a little bit below his max too.

Mindlog:
Before your children started school, I guess you had them enrolled in childcare?

Yes, they attended nursery for childcare purposes due to work and not for 'educational purposes' as they aren't allowed to teach them in nursery, they only play but kids learn through play too.

budaatum:
Please tell us if you "Seems To Be Dying Of Lonliness And Depression" abroad.

Maybe they will believe you better.

No, quite the opposite actually. I am so used to my quiet life that it is hard for me to accommodate anyone in my space unless it's a loved one. Even when my kids go to school, I have so much joy LOL. I am too busy with work to even have the time to be depressed. It does get lonely sometimes since my divorce but we have a lot of DIY tools that really help I don't know about men sha o

MufasaLion:
Apparently, you have kids because of societal expectations?

Yes, isn't that the norm in 9ja?!...after marriage everyone will be looking at your belly, and even some bold enough to ask Lol. If I had a choice without any potential pressure, I would have probably done things differently.

mystikal:
Thanks for your prompt reply.
Did you mean an expired Nigerian passport?

Yes, expired Nigerian e-passport.

everything ednut1 said, except that I don't wish to return to 9ja. I have only been back once since I left and I was desperate to change my ticket to return back to the UK after 2-3 days in Nigeria. I have not gone back since. I am extremely used to the quiet life and civilisation here. Sometimes, I wonder how I grew up in 9ja, Lasgidi for that matter lol.

mystikal:
XX ADVICE PLEASE XX

my Nigerian passport expires in two days time. I had applied for renewal at the London office and got a december 9th appointment for Biometric.

The problem is an important family emergency has required me to travel to Nigeria on the 17th of October.

Will I be travel to fly and return with an expired passport? What is my fate? Any options?

I know of someone who traveled to 9ja with an expired pp and also took copies of the renewal receipt and acknowledgement, booking confirmation etc and this was fine, they entered and came back ok, they did not even need to 'settle' on entry to 9ja. Although they only needed their British pp to re-enter the UK so I don't know if the case will be different for visa holders etc.

I hope this helps.

My children started school at 4-5 years old because that's the mandatory age to start school in the UK, not younger. It does not affect their future, it means they're mature and ready to absorb the learning at that age.

Haaaaaaaaa

Sorry, e be like say your case na customised so e go hard to give you customised advise. Under normal circumstances, as a woman, the main reason why I would refuse my hubby would be if I was not attracted to him or love him. If I have mad love and attraction for someone, even seeing their photo sef will be a turn on so check yourself well and step up your game please. If she sees that your dressing/appearance has changed, it'll keep her on her toes but as she don lock you ehn na another matter be dat o, sorry