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Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 2) (1307816 Views)
Living In The Uk-life Of An Immigrant (part 3) / Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant (2) (3) (4)
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Re: Living In The Uk-life Of An Immigrant (part 2) by bigtt76(f): 9:00pm On Jan 07, 2023 |
Nice one. Don't mind the Monzo werey ...they bounced me too and I went same route as you did for 1. Boya make you try my AMEX referral https://americanexpress.com/en-gb/referral/tEMItOhbvx?XL=MNANS - you get 6000 Avios once you are approved and you spend up to $1000 within 3 months. You can use the card to pay your utility bills though its advisable you use below 25% of your approved credit limit to boost your credit scores. Was it the landlord that pressured you into paying 6 months rents in advance instead of monthly? LaXxOnebody: 2 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ogbaba123: 9:14pm On Jan 07, 2023 |
My wife got 5 months paid leave just 3 months after joining a company with option to extend it for 12 months. I believe it all depends on the company/ policy Osoderi: 3 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Adebayo82: 9:24pm On Jan 07, 2023 |
Please I need an info or link to secure tier 2 sponsorship job for maintenance Engineer. I want to switch from tier 4 to tier 2 visa. |
Re: Living In The Uk-life Of An Immigrant (part 2) by mex551(m): 9:42pm On Jan 07, 2023 |
bigtt76:. How are u using this to pay your utility bills? How did you set up direct debit with AMEX? |
Re: Living In The Uk-life Of An Immigrant (part 2) by bigtt76(f): 9:48pm On Jan 07, 2023 |
Your utility company should have card payment option and for that you use your AMEX card. On your bank you setup Direct Debit to repay AMEX mex551: |
Re: Living In The Uk-life Of An Immigrant (part 2) by LaXxOnebody(m): 9:49pm On Jan 07, 2023 |
1 High Street - Lloyds 2 Digis - Revolut & Monese Tolzeal: |
Re: Living In The Uk-life Of An Immigrant (part 2) by LaXxOnebody(m): 9:58pm On Jan 07, 2023 |
It was the letting agency, because 'I had no UK roots', despite providing a UK homeowner guarantor. But I've loaded it now on Credit Ladder. Omo I don't think I'd be able to spend £1k in 3 months! bigtt76: 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by brine(m): 10:15pm On Jan 07, 2023 |
hustla: Bookmarked. Thank you 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Tolzeal(m): 10:33pm On Jan 07, 2023 |
Newbie123: Split it up, don't take all in at once. I'd recommend you use Revolut, It's my most preferred since binance have that option, that makes it even easier. - Confirm that the buyer has done quite good amount of transactions with 90+ success rate in rating. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 10:44pm On Jan 07, 2023 |
brine: |
Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 10:55pm On Jan 07, 2023 |
Why do these barbers only take cash? 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Santa2: 10:59pm On Jan 07, 2023 |
Tawak: @Tawak..Same scenario for me. Did mine 18th of November 2022 not gotten mine yet. Thank God for the link from bigtt76, At least I was able to see that its been produced so I should be expecting it soon. 2 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 2) by Chikadibia21: 11:25pm On Jan 07, 2023 |
Many of them actually know next to nothing about Africa. While on placement, one young carer asked if he would have to cross a boat to get to Africa. It didn't stop there ooo, I kept being hounded by questions about monkeys and if we had fruits and nice things in Africa. I kept answering until I literally got exasperated...Like how wouldn’t you even know? I have also been in a class where some students didn't know that Africa is a continent of several countries...I can go on and on ooo...Lol I honestly believe that the educational system here needs to do better. They know more other continents than ours. The media also does not help in it's negative portrayal of Africa. Sorry for the long post biko...This matter don dey vex me since hustla: |
Re: Living In The Uk-life Of An Immigrant (part 2) by pheranmie(m): 11:41pm On Jan 07, 2023 |
Ralphlauren: Please what do you mean about credit line? Base on your experience here which of the credit line will you suggest.thanks |
Re: Living In The Uk-life Of An Immigrant (part 2) by Chikadibia21: 11:45pm On Jan 07, 2023 |
This also happened to me in a history class which was supposedly meant to celebrate black history. The teacher kept dwelling on how blacks were slaves to the whites. The students kept staring at me like I was some modern-day slave This might not be the same experience for everyone though. Goke7: |
Re: Living In The Uk-life Of An Immigrant (part 2) by pheranmie(m): 12:06am On Jan 08, 2023 |
My wife is billed to pay her 50% school fees by April (7k) so from the mail I saw where students can apply for loan to pay the balance and pay later. Is it advisable for international student looking at the pof we have done before entry . |
Re: Living In The Uk-life Of An Immigrant (part 2) by Newbie123: 12:06am On Jan 08, 2023 |
Tolzeal: Thanks bro |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 12:13am On Jan 08, 2023 |
pheranmie: Different "lines" of credit include but not limited to: 1.Credit cards 2 Store cards. E.g. argos 3. Overdrafts from personal bank accounts 4. Personal loans 5."Buy now pay later" .eg. klarna 6. PayPal credit 3 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 12:15am On Jan 08, 2023 |
eniola1010: Tax "planning/efficiency" reasons They collect £10,000 in cash but only bank/declare less than half of it during their self assessment to reduce their tax liability with HMRC. 4 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by pheranmie(m): 12:30am On Jan 08, 2023 |
Ralphlauren: I tried this klarna I didn’t know how to go about it 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 1:05am On Jan 08, 2023 |
JaySterling: It is not impossible however some big factors first; 1. Your locations are already fixed so unless it's somewhere very cheap up in the North East or in the middle of nowhere in Wales, you'll need more than N33m in deposit. Will you all be in the same city or very, very close to each other location wise? 2. You'll need a house rather than a bungalow. Aim for former HMOs. They're perfect for situations like this. 3. You will need time. Aim for at least 9 months from now. Now to the nitty gritty - It is possible but will take you a good 9 to 12 months to achieve if your brothers are not here yet. You will need a good deposit (many hands make light work too!), be prepared for 15% and above for the deposit. The higher the deposit, the better your chances. You all will need clean credit reports - no debts, no applying for every credit under the sun etc Transfer the money to the UK and keep hold of your Nigerian bank statements for AML checks You good need a good job - majority of lenders will do 4.5 x income so that gives you an idea of what you might be able to afford You will need upto 6 months payslips Read up on how to structure house purchases - tenants in common etc (https://www.farrer.co.uk/news-and-insights/uk-residential-property-structures-what-are-my-options/) Discuss and agree an exit strategy for all of you Stamp duty is applied on purchases over 425k for first hoe buyers so you should be all good as joint first home buyers Find a broker - a very good broker can do and undo when it comes to financing property purchases Be prepared to pay higher than normal interest rates If you know any families that already live like that, have a chat with them as to the reality (Indians, Pakistanis, Bangladeshis, some Jamaicans live communally) So work out locations, then cost of at least a 5/6 bedroom house in that location, how much deposit you need and set out time frames for hitting that deposit amount. Have clear discussions around how it will work having all of you in the same house. Discuss boundaries, routines, must haves, cannot tolerates etc. The longer the must have and cannot tolerate list, the more difficult it will be. Good luck! And kudos to you all for thinking outside the box! 13 Likes 2 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ecalistus(m): 1:37am On Jan 08, 2023 |
Please am in London incase you have or anyone here has link forany job opportunities in London. hustla: |
Re: Living In The Uk-life Of An Immigrant (part 2) by bigtt76(f): 4:29am On Jan 08, 2023 |
Wow werey agency. You can still sign up for the card, not a just you should spend up to that in 3 months, just a bonus. The less you spend the better your credit score. LaXxOnebody: |
Re: Living In The Uk-life Of An Immigrant (part 2) by nineville(m): 5:43am On Jan 08, 2023 |
Tawak: ...try this: https://track.immigration.gov.ng/ 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by AlphaUno: 7:21am On Jan 08, 2023 |
tobbyoladejo: You don’t renew until 6 months to expiry |
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 8:04am On Jan 08, 2023 |
Ecalistus: London? Jobs full everywhere naw. Haba 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by mizGene(f): 8:05am On Jan 08, 2023 |
AlphaUno:With Nigeria, all things are possible. I've done it before some years back but mine was less than a year validity. |
Re: Living In The Uk-life Of An Immigrant (part 2) by Nobody: 8:19am On Jan 08, 2023 |
hustla: I can't emphasise the bolded enough. 10,000 black interns is an EXCELLENT program and if you get in and perform well, you can be reasonably certain of a permanent role - based on the experience of a few of my friends. Might not apply to the OP because the last application cycle is closed till around July or so next year but anyone who's looking for an internship or even a route to a permanent role in top firms should definitely apply whenever its open. 6 Likes 2 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by Nobody: 8:33am On Jan 08, 2023 |
Adebayo82: The only links you need are Indeed, LinkedIn, and other job boards, to find jobs in your field and apply to them. As for info; make sure your CV and LinkedIn profile are of a high standard and if possible, pass it through an ATS test to increase your chances of passing through the initiation screening stages. Also try to reach out to the recruiters of the companies you're applying to via LinkedIn so they take a closer look at your application. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 8:49am On Jan 08, 2023 |
koonbey: Nationwide Bank served me breakfast yesterday. Waiting for Lloyds bank and one other place. Hopefully, I'll get in. One of the guys I know who took the internship and currently works at Lloyds said I shouldn't worry and they'll call me as they increased their quota by a bit Fingers crossed |
Re: Living In The Uk-life Of An Immigrant (part 2) by Nobody: 9:01am On Jan 08, 2023 |
hustla: Best of luck bro! I'm confident you'll get in. It can be quite competitive but I know that the team works to push applications behind the scenes. You can also look into joining SEO London. Their Beyond Barriers program just opened. 3 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 12:57pm On Jan 08, 2023 |
koonbey: Definitely checking this out Is it free? Closed till July next year or this year? 1 Like |
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