₦airaland Forum

Welcome, Guest: Register • Login • With Google • Trending • Recent • New

Stats: 3,344,582 members, 8,512,537 topics. Date: Tuesday, 03 November 2026 at 03:14 PM

Toggle theme

Phayie's Posts

Nairaland Forum › Phayie's Profile › Phayie's Posts

1 2 3 4 5 6 7 8 9 10 (of 12 pages)

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 8:07pm On Jul 20, 2023
Gift7428:
It seems it’s only Lemonade that converts Naira to pounds. The rate on lemonade is not encouraging at all. I still have some money in Naira that I need to change. The Naira has really lost value 😥
You can check $end
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 8:03pm On Jul 20, 2023
gergemam:
Thank You Kindly, I thought the money go reach like £25 - £30 but £5 too small
That's over N5000. Kindly send it to those in need in Nigeria.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 7:52pm On Jul 20, 2023
gergemam:
Who get loqbox invite link and how much dem go give me if you refer me?
https://www.loqbox.com/en_gb/loqbox-invite?referral_code=GJOHQHRURH&referral_channel=link
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 9:21pm On Jul 17, 2023
triplo3:
Hi Elders, I saw this post and decided to try my luck, please how do I use my British Airways/Avios points? I have 342 / 956 points from the mobile app. Every time I click on Book Travel or Hotels link, it doesn't work. Same thing on the website? Also can I use the points (956) for return flight to Naija? Thank you
If you have nectar card by argos, just convert your Avios points to nectar points and use it to shop on Argos
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 8:34pm On Jul 16, 2023
elengine:
Please o. What is the best app to send money home. I hear say lemonade rate no make sense
I use NALA to send money home, along with 100,000 others. Join with code OLAITAN-705763 and we'll both get £10.00

https://join.iwantnala.com/OLAITAN-705763

The rate is 1,055
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m):
kwakudtraveller:
Wasn’t it revealed in 2020 that one of these "Nigerian Prince” was a Caucasian man based in the US? Begs the question of how many of these scammers are actually pretending to be Nigerians.

https://www.nbcnews.com/news/amp/ncna833801

I’ve never actually seen you share anything good about Nigerians as you must find a way to interweave a negative to buttress your point
Nairaland is a very public forum and when people google things about a country, this is part of what they see.
You can bet that person is not from Nigeria. I'm curious as to why people continue to respond to him.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 4:10pm On Jul 15, 2023
Firefunmi2014:
My credit score is above 5oo points.
Try loqbox to save at least £20 a month, and download clearscore app to keep track of your credit score and determine your chances of getting any card approved. But make sure you waited at least three months before applying for any credit cards.
You can use my referral link to open your loqbox account
https://www.loqbox.com/en_gb/loqbox-invite?referral_code=GJOHQHRURH&referral_channel=link
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 9:08pm On Jul 12, 2023
justwise:
I'm not sure that what he did is a crime...this is looking like Phillip Schofield's case
Although police has stated that no crime was committed. But the daughter was 17 when she started sending the images, if what the parents are saying is accurate, I believe he's committed a crime
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 12:05pm On Jul 12, 2023
Hello, please how much does it cost to notarise a document and how do I go about it
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 7:05pm On Jul 10, 2023
igbsam:
Please can someone recommend materials /free mock test for PTE Practice. I am due to write one in 2wks and i never even study.

https://www.youtube.com/watch?v=SyRuvZZ-QbA

Follow that channel and practice. I think you should be fine
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 9:48am On Jul 08, 2023
cbn4main:
How much does Nala charge as fees per transaction?
No charges
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 6:41am On Jul 08, 2023
I use NALA to send money home, along with 100,000 others. Join with code OLAITAN-705763 and we'll both get £10.00

https://join.iwantnala.com/OLAITAN-705763

The rate is over 1k

Please use my referral
OLAITAN-705763
Travel › Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 8 by Phayie(m): 4:09pm On Jul 05, 2023
Plan your japa very well 👌

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 12:03pm On Jul 05, 2023
These guys are just confused

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 10:43pm On Jun 28, 2023
hustla:
shocked

only you. the fd one, did it take time?
From the time I opened the account, it took roughly 3 weeks. But I deposited into the account after one week of opening it.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m):
hustla:
The process just looked somehow and the app interface sef get as e be

Ill try them out and switch my Starling to them then

Thanks!
Edited

It's simple to use First Direct. Even the number of letters they send you will amaze you. I earned switch bonuses from Natwest, Royal Bank of Scotland and First Direct even though RBS are Natwest's arm.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 7:24pm On Jun 28, 2023
Lolli2pop:
My dear you are seeing this issue from a general perspective not from the NIN’s perspective lool
Oh! I forgot Nigeria is still a third world country. I think you're right
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 2:48pm On Jun 28, 2023
giselle237:
not true
What makes it not true? I may decide to write my fist, second and surname name on a particular document and decides to write only my first name and surname on the other document and it'll still be acceptable unlike if I have my first, second and surname but my date of birth is different say maybe I wrote 1990 instead of 1980 and it won'tbe acceptable. So what makes it not true?
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 11:58am On Jun 28, 2023
mayowa94:
Can I do a cleaning job as part time while on health and care worker visa?
If it's on occupation shortage list, YES. If not, NO
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 11:56am On Jun 28, 2023
Teedol:
James Paul Kwame: intl passport

James Kwame: NIN


The above scenerio, what are my chances of getting my passport renewed at Abuja House in London, given that my middle name does not appear on my NIN, my surname and first name matches though. Thanks.
Your date of birth is more important than your second name. As long as your date of birth matches, I don't think there should be any issues
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 6:26am On Jun 22, 2023
I believe that for some time now, Money Market Fund (MMF) has outperformed Federal Government Bond. About 10 to 18% AER is offered by MMF, and profits are paid out either monthly or quarterly. The lowest interest rate I've sedn recently is 11%, despite the fact that it varies. Check out Axamansard, Stanbic First Bank, and other institutions. Each one provides MMF.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 10:05am On Jun 10, 2023
SPDAZZY:
Hi all,

Please if someone wants to switch employers under the health care visa and has been in the UK for less than a year, does the POF(as maintenance is not being taken care of) need to have been in the bank account for 28days as required when in Nigeria.

Thanks.
If you're less than 12 months in uk you'll need POF in your account for 28days
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m):
Adebayo82:
Please does anyone have Idea of bank that is more suitable for cryptocurrency/Binance wallet for transaction for both deposit and withdrawal. Currently, I have Monzo acount. I don't know if I need to open revolut or Loyds bank account.
I think Revolut

Join me and over 28 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=olaitabucf!JUN1-23-VR-GB
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 1:44pm On Jun 02, 2023
lightofjoy:
Thanks so much. I am using WhatsApp for those that has WhatsApp but some of my site workers are not on WhatsApp. Any suggestion will be appreciated
I use giffgaff for calling Nigeria and I get around 60mins or more for £10 topup
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 8:19pm On May 23, 2023
Zahra29:
A 5% mortgage deposit is very unlikely with only 1 year non-permanent residency
Very unlikely, yes, but you can't discourage anyone to try their luck
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 4:16pm On May 23, 2023
eniola1010:
Honestly i dont know why people give themself so much headache.
Dont rush. Everything will come in place.

If they say no t4 dependent. Finish ur 2year course or 1 year course. Get sponsorship and carry ur fam. Simple

U come under 4month u wan run get CC. Just chill, improve ur CS and apply for CC. Simple

U come under 4months u wan get mortgage you made ur self enter mortgage of 5% deposit, instead make u chill save enough with ur lisa.

I no know why ppl dey rush.
There's nothing wrong if you want to rush as long as you know what you're doing. You don't have to wait for 1yr or more to apply for 5% mortgage or credit card
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 6:24pm On May 19, 2023
Solumtoya:
@ ProfJYK

I have indeed gotten goodies from AMEX Card. I keep saving offers I may need. I use it for shopping, groceries, etc.

I still think the biggest source of points are referrals from Nairaland though. The post I made about how to use Credit Cards without paying interest and the benefits was quite popular. So I added my link later.

I seem to have been upgraded or it's general: My referrals now get 8,000 points while I get 6,000 so feel free to sign up, you might just get a free flight soon:

https://americanexpress.com/en-gb/referral/jEDIDASmvK?XL=MNMNS
How do you apply for credit limit increase on AMEX
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 8:17pm On May 13, 2023
Akhat:
I need advice please. I got an internship role in Development Engineering, to assist my employer with research on an ongoing project. My school will be the one paying my salary. The Job is for two and half months(10 weeks). The issue is that, I currently work in a care home(two nights per week). Doing the two jobs will make me exceed the 20hrs work restriction. I don't want to decline the internship role because I believe it will be good on my CV, but it's just for two and half months, neither can I quit the care job just for a short term job. God knows I need both salary. The pay on the internship is 1£ pound higher. And I have also been looking for an opening that will take me out care job.
Please how do I approach this, because I am expected to resume the internship role next week.
You should be entitled to annual leave. Like someone has suggested, tell your manager you need to travel for an urgent issue, then ask if you could apply for your annual leave
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 11:53am On May 11, 2023
Peerielass:
He is correct - you won’t qualify for the switching bonus because they belong to the same group. Same as HSBC and First Direct
Fingers crossed 🤞. When I switch to first direct I was asked if I have HSBC account because if I've benefited from HSBC I won't qualify for first direct switch bonus. But for rbs such question wasn't asked. Although I have the feeling that I may not qualify for the bonus, but still I have hope
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 11:32am On May 11, 2023
pheranmie:
If you have collected from natwest I doubt you will get get from rbs I might be wrong but you can check the terms and conditions and see for yourself
You might be right, because natwest app and rbs app looks so similar with the same function. And funny enough, na natwest I switch to rbs😊😆
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 10:45am On May 11, 2023
Peerielass:
I wouldn’t switch Starling if I were you. It’s one of the best challenger bank accounts to have. I find their debit card very useful for holiday travel and for online shopping abroad. No fees nor commission charged on withdrawals/foreign transactions and you get a guaranteed Mastercard exchange rate at time of transaction.
You can switch and reopen another one but itll impact your credit score negatively
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 10:40am On May 11, 2023
hustla:
Heard there are caveats to it and monthly Payments to make. How true is this pls?

That's the reason why I haven't tried to make the switch

Looking to switch my starling
Not true. It'll only impact your credit score negatively. I don collect natwest and first direct and I'm waiting for RBS to pay me next week but I've lost about 40 points on my scredit score so far and I'm sure I'll still loose about 20 more but no shaking because I know it'll bounce back

1 2 3 4 5 6 7 8 9 10 (of 12 pages)