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Ralphlauren's Posts

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Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 7:39am On Feb 24, 2023
dustydee:

I only learned recently that asking them to go to the naughty corner is corporal punishment.
@Ralphlauren
Why will not having food in the fridge be a red flag? What about those families having a rough time? Never gave my kids snacks to school in their early years.

Also, last time I checked, spanking of bum was still legal in England but they were contemplating changing the law. Not sure if that has been done but Scotland totally prohibits it.

I think schools in deprived areas tend to report these sort of issues more than other schools.

quick check:

The kids have complained to their teachers that they come to school hungry.

What will be going on in the head of these teachers/social workers is so what happens to these children during weekends, school holidays or after school hours? Are they given little or no food? Do they go to bed hungry?

If the family is struggling, this is where the social worker comes in. The need to understand where the family is struggling and how best they can support. The family can be signposted to food banks or given food vouchers to redeem or money to buy basic items for the kids.

I know a family that was given bunk bed for free (they had twins of different genders sharing the same bed) and they were fast tracked to get an affordable council house. They came under the radar of social services following a report made by the school.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 7:28am On Feb 24, 2023
Lexusgs430:



It's write up like this, that grants this jobs worth the permission to continually invade African homes........

When they visited me, they only had access to 2 chair spaces in my living room........ I bluntly refused them any access, to any other part of my home ....... Why did they not call the police ..........

They kept saying, ' father was not engaging '...... I still did not engage, till the case was shut .......

I understand the point you are trying to make but such approach might be a costly mistake for another family. Your circumstances at the time might be totally different for this family so they have to tread carefully.

With odedenshi1's case:
1. His kids were born and raised in Nigeria
2. He moved to UK barely 12 months ago and may not be used to the UK's parenting style
3. Two of his three children have made allegations of assault on more than one occasion. Beating a child is assault.
4. The allegations of assault were against the children's father (who resides with these children) and an "aunt".
5. One of his children has complained of not being fed and coming to school hungry on more than one occasion. This is seen as neglect
6. One of his children is vulnerable and potentially classed as high risk due to the child's learning difficulties

Its the school's responsibility to ensure all safeguarding concerns are flagged.

Now looking at the points I have raised above (especially points 3 -6), why won't the school be concerned ?

2 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 11:27pm On Feb 23, 2023
oyoolima:
@odedenshi1
I never got to the point of social services but I can remember when my child was 7 and he innocently gisted teacher that i spanked his bum with my wooden spoon when he was younger..I may have,I may not have,I can't remember . I generally dont beat..ear twist or light tap on bum once in a while but Teacher run tell head teacher ,they called my daughter but she said she didn't get spanked with a spoon. Them ask whether we beat ,them say no.School called me to ask and I said I don't. Them say if I do make I no do am again..I said I do not.That was the end of it. My son was so remorseful when he knew it could get our family in trouble etc and we all had a long conversation about it.

4.Review your method of discipline especially because all eyes are on you now and it seems the school is gunning for you( it could be a particular member of staff) .You don't have to beat or kneel down or pick pin to get your point accross. Constructive discussion,taking toys away, stand and face the wall,sit on the step and think of what you've done etc these things de pain them well well. Once I say we are going to have a looooong discussion, my kids start sweating, lol.

My dear, those things I bolded above are classified as abuse and have landed parents in trouble. Especially that face the wall and ear twist. Biko, no do am again.

What works for me is asking them to go to their room and think about their behaviour and then we have a long talk. It works like magic grin

5 Likes 2 Shares

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 10:37pm On Feb 23, 2023
Odedenshi1:


Thank you very much for your input, God bless you.

I have spoken to them about the implications of what they say in school. I keep praying for them too for God to guide them in their utterances. It is mostly my second son that talks too much, he can easily be tricked into making up what never transpired.

They mostly watch cartoons and music videos. My second son likes gaming on the phone and has been requesting for an iPad as his eight birthday gift which I am currently working on.

I will try and do that (get an expert opinion). I am open to recommendations and signposting, many thanks.

You should be very worried. You have two children corroborating the allegations of "abuse" and that's what the school is concerned about. In addition to this, one of your children is a vulnerable child with learning needs.

In Scotland, I know families that faced similar allegations and the kids were removed from their care. One was very recent. The kids told the teachers that their parents spanked them with belts meanwhile this was totally false. Parents were booked at police station and the kids had a full medical examination. The case were eventually closed after 6 months of torture for the family.

The issue is you or an aunty might have spanked or scolded those kids in Nigeria and its that experience they are relaying to their teachers.

You and your wife need to be united in this. If you are ever asked if you spanked your children whether Nigeria or Zimbabwe, tell them an emphatic NO. You will be asked your parenting style - Google to find out what's acceptable in the UK.

Were you sending your kids to school without snacks? The school might provide lunch but you have to provide snacks they would eat during breaks.

If you've not started already, you need to start "brainwashing" your kids with love and affection. Kisses, hugs, taking them to the park, mcdonalds, soft play center, bake with them at home, have Friday indoor movie nights with them etc. You need to get them to a place that when they are asked in school about their home life, their faces will lighten up with joy and they won't remember any negative experience meted to them by anyone either here or Nigeria.

Never ever let your kids go to school unhappy. It's usually in that mood or state of happiness that they get interrogated and say all sorts.

Make sure you don't shout at them.Shouting at kids in this country is termed emotional abuse and its totally unacceptable. When picking them up at school, show them love, give them hugs as those teachers will be watching your every move including your body language and interaction with your kids.

Be polite with the teachers and social workers. Any allegation that has been written in their assessment, you need to deny it and make sure its documented on their assessment that the allegations never happened. Do not raise your tone at them or anyone else.

The social worker can decide to visit your home at very short notice. Make sure your home is neat and tidy and same with your children's room. Display on the dining area or any area visible to the social worker basket of assorted fruits. Make sure you have food in your fridge - they can decide to open it and check (with your consent). Have toys around the house. These are things the social worker will look at when making their assessment on whether or not your home is a safe environment for your children.

Make sure you cooperate 100% with the social worker. They have the power to close this case or escalate things by 1000000% with a single phone call. If they suggest you go for parenting class, please attend. What you do not want is for them to note down that you've refused their help or you are a non-engaging family.

All the best.

33 Likes 10 Shares

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 11:24pm On Feb 10, 2023
donald197:
Elders in the house, based on your experience,please which is better btw HP and PCP in getting a car in the UK?

It depends on if you view a car as an appreciating or depreciating assest as well as the associated cost of maintenance including cost of spare parts.

HP - you are stuck with the car
PCP - you don't even need to wait till the end of the contract. You can go to another dealership, pick up a completely different car and they sort out your previous dealer.

3 Likes 2 Shares

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 11:18pm On Feb 10, 2023
veleta:
@Oga LexusG430, is road tax waved for you under PCP as I ve been paying mine for 2 years with Mercedes? Thanks

Depends on the location of the dealership, if you got the car directly from a Mercedes dealership, the age of the car and how good you were at negotiating.

Usually they throw in a year or two free road tax where they cover the cost.

Target their VIP events. Thats when you get the best deals.

3 Likes 1 Share

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 11:15pm On Feb 10, 2023
Estroller:


Dependants can continue on their own visa and extend or switch at the expiry of their current visa.

Not correct.

Anything that happens to the main applicant's visa directly affects all linked dependants.

If main applicant switches visa or visa is curtailed,it will affect all linked applicants.

Cc. Progressivegee

5 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 8:18pm On Feb 01, 2023
mayluv:
Hello house, I hope we are all good.
I am in a dicey situation and need some input from those who have more knowledge and information than I do.
I applied for a two year visitor visa for my mum that will expire December this year. She came in December 2021. While here, she was taking treatment at the General hospital as a private patient. In June 2022 when her six month visit was almost complete, I applied for extension of stay through the FLR/HRO route so she could complete her treatment. She did biometrics in London and her passport was held back at the biometric center. Since then, no decision has been made and the passport hasn't been returned.
In December 2022, I cancelled the application on gov.uk and according to the information there, I would get the passport in 10 working days. Its over the 10 days and I have even filled the online complaint form twice, still no response. I can't get through as the contact number is for general inquiries and only get computer responses.
When I was cancelling the application, they stated that she becomes an overstayer from the date of cancellation but they haven't returned her passport still. What can I do?

Thanks in advance.

Cc. justwise Lexusgs430 and all other sabi people.

As she's been classed as an overstayer, I doubt if her passport will be returned.

She will need to book a one way ticket to her final destination and forward the ticket details to a particular home office email address or cl a particular number. She will be instructed to meet some home office officials at the airport of her departure and her passport will be handed over to her.

This I believe is the process unless things have changed.

That said, she has 14 days from the day of cancellation before she's officially classified an overstayer.

2 Likes 2 Shares

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 4:38pm On Jan 26, 2023
skace:
Hello house, please I need help! I just had a baby boy in Glasgow Scotland and I want him circumcised however all the Jewish synagogues I called say there's no one who can do it in Glasgow unless I get to London or Manchester and that's some journey, I'd like to know if anyone here or anyone you know circumcised their baby boy in Glasgow (Professionals) and how they went about it?

Another issue I have is that I legally adopted my orphaned 16 year old cousin and applied for a dependent visa alongside myself and my husband (Student visa) and her application was rejected, they wrote an epistle on how UK doesn't recognise adoptions in Nigeria and that if she had been adopted before 2014 it would have been accepted. We had to leave her back home much to everyone's dismay cos we took her in 2017 after my dad died and my mum took ill. She was living with them. She thinks we've abandoned her back home cos right now we don't even know what course of action to take.

We were told school is an option but that will cost more money, please can the experts and anyone who has an idea on this advise on what we should do? She turns 17 by March. Wrote her GCE last year, we registered her for IT classes cos she wants to be a software engineer and she's really good with Java script,Css and the likes. Please help!!!

https://www.circumcisionclinicglasgow.co.uk/

He was personally recommended to my wife by a midwife and he's about the only doctor in Scotland that does male circumcision outside the NHS.

It used to cost £200 but I expect that to have risen.

He's got strict rules too. Eg. Dad and mum must be present, etc. Give the clinic a call to get more information. Don't be surprised if you are told there's a 2 to 3 months waiting list lipsrsealed

4 Likes 3 Shares

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 10:10pm On Jan 24, 2023
harddrive2012:
Actually, I know of an NHS in Northern Ireland that gives 3 months free Accomodation to their international registered nurses/doctors. Aside that, they also feed them daily when they are on shift. I mean full squared meal o. So your analysis holds no water

The do same for health care assistants. It's quite a popular arrangement with the NHS trusts in NI.

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 10:09pm On Jan 24, 2023
bigtt76:
Why was he chucked off his accommodation? shocked

Maybe he owed rent or the landlord wanted to sell up or breakdown of relationship between him and the agent/landlord.

I'm just surprised he was evicted with the current ban on evictions in Scotland.

There must be more to the story.

Anyways, over 14k raised for him, so his format is clearly working grin

He's extremely lucky that social services were not called to take his kids away from him. Leaving those kids including a baby in sub zero temperates, at the back of a van, in a stairway . . . He's extremely, extremely lucky!

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 10:03pm On Jan 24, 2023
geekseventplace:


If you ever heard of the Au pair program, you will understand better that this isnt exploitation. Its Ok to say what you want to say based on your level of knowledge grin

i am open to listening to constructive feedback if you can justify with a superior analysis vs what i have done.
Note; This advert is not for folks with masters or bachelor’s degree who can find a better paying job for themselves.

Then go and meet the agencies that offer au pairs. Why come here to post on nairaland or twitter?

Let's see which agency that will give you au pair from nigeria or any european country for £400 a month to take care of 2 kids. Even those importing women from Philippines and Thailand to do nanny work in Nigeria don't earn such low wages.

You want live in nanny, househelp, cook, laundry woman and cleaner for £400 a month with no fixed hours and no days off. Ashiere grin

8 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 4:13pm On Jan 24, 2023
Zahra29:


This is below minimum wage and grossly inadequate for a full time nanny position ( notwithstanding accommodation being included in the "package", unless you're looking to take advantage of/exploit a migrant who doesn't have the right to work. You should pay people fairly for the work they do - especially those who care for your children. This isn't Nigeria

Of course, that's her target market. Those without right to work or those here as visitors.

When the report them to police for modern day slavery, exploitation etc and use their likes as a pathway to attain permanent residency, they will come online crying wolf and say their village people is against them.

With all the "wokeness" and "open eye" in the world today, I'm shocked that anyone will be looking to exploit people in such manner when just a simple phone call to the police or a walk to the police station from the "employee" can ruin the "employer"

https://www.dailymail.co.uk/news/article-4523152/amp/GP-husband-trafficked-Nigerian-slave-UK.html

https://m.sundayworld.com/news/northern-ireland-news/couple-who-avoided-jail-after-slavery-conviction-forced-to-flee-after-mob-attacks-home/1791976234.html

https://www.thescarboroughnews.co.uk/news/crime/revealed-nhs-doctor-kept-nigerian-slave-while-working-scarborough-1890774

6 Likes 1 Share

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 3:55pm On Jan 23, 2023
kwakudtraveller:

For the Hybrid role, it's twice a week but what if one of the roles is a Fixed Term Contract? would that still be illegal/unethical ?

Lol. How will you explain your twice weekly absence at the other role? Or you think managers are stupid and won't notice the pattern? grin

Its only legal if you declare to both parties and they give you permission to work at both jobs and there are no conflict of interest.

Getting such permission will be almost impossible. Besides you need to explain to them how you intend to juggle two full-time 9-5 jobs at the same time.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 3:53pm On Jan 23, 2023
koonbey:


CIFAS has a database specifically for fraudulent employees. I'd be willing to bet that OP will end up there if he takes both jobs without disclosure. The potential for clashes are way too much and employers are very antsy about this issue these days.

I wouldn't be surprised if one or both of the jobs uses employee monitoring software sef.

Thanks for confirming grin

Lexusgs430:

Then for don add me for CIFAS database, many times over be dat ........ Times are changing rapidly.........🤣

You are old skool. Time to upgrade to a tesla grin
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 1:40pm On Jan 23, 2023
kwakudtraveller:
Ancestors, I say make I ask una say e go dey possible for me to do two full time jobs at the same time? I have two job offers and I've accepted both, I have no restrictions as to how many hours I can work. One is hybrid and the other one is fully remote but I'm just wondering if it's ethically sound to do so. Is there anyone who has held two full time jobs, how did you go about navigating both of them? Or make I just forget one of them. I dey confused make I no lie.

Very possible but extremely risky with dire consequences if found out.

For the hybrid role, how many days are you expected in the office a week/month?

The company I work for recently caught some people shuttling two jobs and it was instant dismissal and there were talks of adding their names to CIFAS for employment fraud lipsrsealed undecided

https://www.cifas.org.uk/fraud-prevention-community/member-benefits/data/ifd

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 1:16pm On Jan 20, 2023
ojtopsy:
Please I need advice on the spec of this accommodation: the house has
gas central heating and
an EPC rating of D and
council tax band A .
Please note that am a student o. Am I suppose to pay council tax
Help me ooo. its urgent before I get committed. Will cold no kill me and family inside

As an investor that's just about to buy another house with D rating, I'll say go for it if you like the house and it fits within your budget. A house could have D rating due to a number of factors including the non-usage of non-energy saving bulbs, etc.

Personally, it's not a deal breaker. Even houses with C rating are cold and might require as much heating as those with EPC rating below.

That said, the bigger the house and the more people living in it, the higher the energy consumption overall irrespective of the EPC rating.

2 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 1:12pm On Jan 20, 2023
donshegzy:
Elders in the house, e good morning o.

So, I noticed most homes for rent are owned by Asian or Brit women (or at least, their husbands say the wives are the landlords but they’re just showing the property). While I’m not saying women can’t own homes, I’d like to know if there are added advantages to being a female homeowner.

Or could it be that the primary residence is owned by the men - in that case, are there hidden advantages to the arrangement?

No advantage apart from the women being very handson with finances, people skills, etc and their instincts can be trusted despite not been necessarily named on the mortgage/deed.

My wife handles everything. She can deal with professional trouble makers or issues way better than myself. She's very conversant with the law, tenant/landlord rights, etc. grin

I just leave everything to her and do her bidding when it comes to anything property related grin My own is just to give second opinion, transfer money and append signature grin

4 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 1:12pm On Jan 18, 2023
rowon:
Hi everyone , I need your candid advice. My wife just finished her exam in one of her course Sustainable Operation Management (SOM) in GCU , Scotland. She got 11/25 in her course work and the exam is 75marks. She needs 39 marks to get the pass mark of 50. Majority of her mate complaints of the time allocated to the exam and also the exam didn't mirror what was given in the mock. However because of her low mark in course work and the reasons given above , she is now considering to go for the option of 'Fit to Sit' and it has to me done within 48hrs of writing her exam . This will give her opportunity to write the exam fresh not as a resit . Please advise. Thanks

She will need at least medical evidence to back this up. Eg. Letter from a GP confirming she saw a doctor before she took the exam or she has underlying medical issues that affected her performance. She can also claim mental health grin

2 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 9:45am On Jan 18, 2023
deybholar:
SOS! SOS! I am in a very big dilemma, I am trying to switch from student visa to scale up visa. I have the COS but whenever I enter the COS number, it says I should enter a valid COS number and won’t let me proceed any further. I then proceeded to click on apply without COS and then fill out the form. Can I use the apply without COS number and then upload the COS as part of supporting documents? Is this a safe way to go about it? I can’t risk a refusal and I have very few days left on my brp

Are you sure the COS is legit or it hasn't been cancelled?
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 4:19pm On Jan 15, 2023
jum33:
For those that have gotten their ILR through skilled worker route ,is it a must for your employer must have paid up to the minimum annual going rate at the end of a year for their employee eg for some of my folks that are carer ,the minimum annual wage set by the the home office should be 20,480pounds per year but what about if their wages dont meet up tp that target due to the fault of their employer not getting jobs enough to spread around to meet up with their 40 hours per week.Hope thiis kind of issue wont create problem for the employee visa conditons

Of course it will cause problems.
Romance / Re: How Do I Tell My Fiancee That I Don't Want Court Marriage by Ralphlauren(m): 12:37pm On Jan 11, 2023
segtech68:
I'm in a very serious relationship which will likely lead to marriage before the middle of this year. she's a good lady, very decent, God fearing and has a good Job. We both love each other so there's no point waiting than to marry her. We've talked about it and she loves the idea. Also , i've met her family and her parent treated me kindly.

The issue is, we are both planning to relocate after marriage to any of the western countries, we are both credible financially and i'm very sure we won't get denied but the stories i've heard about women changing after getting abroad makes me want to think twice about the court marriage. I would love to do every other marital right except court marriage.

How do i tell her politely without losing her? please i'll appreciate your advise.

Thank you.

See this idiot. Whether or not you are legally married, as long as she lives in the same house as yourself, she is entitled to a share of your assets. This is what is applicable in all Western countries.

I can't be bothered to share case laws to prove the above.

Why do you think the wealthy sign prenuptial agreements? That's the only thing that protects individual assets and not the availability or non availability of a wedding certificate.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 1:01pm On Jan 09, 2023
courage54:


Please can you recommend any good mortgage broker and their contact details

https://peritusprivatefinance.co.uk/

Request to speak to a gentleman named Vick

He provides mortgage advice/services for properties in England and Scotland

24 Likes 14 Shares

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 12:15am On Jan 08, 2023
eniola1010:
Why do these barbers only take cash?

Tax "planning/efficiency" reasons grin

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

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 12:13am On Jan 08, 2023
pheranmie:


Please what do you mean about credit line?
Base on your experience here which of the credit line will you suggest.thanks

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

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 1:22am On Jan 07, 2023
Osoderi:
morning house, I have been trying to build my credit but it is not strong. I have applied for American credit card and I am using it. I have register for vote, I have included all my direct debit payment in my credit karma but still my scores is 570.

I have applied for credit cards in two of my banks but was refused. saying I am not eligible due to my score is low. pls what other ways can I do to increase my score.

A friend adviced me to get Argos card to use it to buy things and pay back.

pls I need more advice, I really want to build my credit.

I have stayed one year in the UK.

is there any lenders that can borrow me money to repay back to enable me build my credit pls. kindly advice. Thank u

Are you planning to get your score to 100000?

You are just stressing yourself for nothing.

The higher range credit score takes years to achieve and there are several factors that impact achieving that high score.

Applying for multiple lines of credit will not increase your credit score. It will either stagnante your score or decrease it. Instead stick to one line of credit (maximum 2), maintain excellent account usuage and work on increasing your credit limit for each line of credit. Imagine having a limit of £16,000 on amex, what other credit card am I looking for again

You can get a mortgage with your existing score. Lenders look at a lot of factors and not necessarily your credit score. I have seen new immigrants (those on tier 2) without credit cards get mortgages within a year in this country and in one example, one of the named individuals on the mortgage application (spouse) wasn't even on the electoral roll.

The underwriters look at a lot of factors- your occupation, employer, how long you've been employed, how far you are from retirement age, affordability, outgoings, number of dependents, account usage, income, etc.

This is why is a good mortgage broker is worth their weight in gold. They can package your application to the underwriters highlighting all the positive factors and mitigating any risks or concerns that the underwriters might raise.

15 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 7:30am On Jan 06, 2023
BuildingProject:


For someone that is a student working part time and has like 40% deposit. What are the possible requirements to get a mortgage?

Does the person requires a payslip? If yes, how many month?

If i have an Accountant that can " provide" the payslip, is the bank going to verify the NI paid or would likely request to see the bank statement showing the payment monthly?

I know I need a mortgage advisor on this but we still have elders here that can detect a white fowl from the pot. Lol.

Smh. So you want to get a mortgage through fraudulent means ? undecided

Go ahead. When you are caught and your name is added to CIFAS, don't come here to cry and ask for advice.

6 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 7:25am On Jan 06, 2023
JaySterling:
Hi guys, I just moved to the UK In October for my PHD with my wife and 2 kids. I’m the main applicant and wife is dependent.

My two younger brothers are also coming in February for their masters with their wife’s
and kids

The 3 of us are planning on buying a property which would serve as a family house for 3 of us our wife’s and kids, instead of paying multiple rent.

We jointly have about 18M in Nigeria
Please can this be enough to serve as a down payment for a bungalow where we can spread the balance over the years in a mortgage plan.

Also, we are planning on putting all the funds (18M) into one account and send it to UK via form A. Would this be possible?

Please can someone advise me on the process for all this and guide us on what best to do to avoid mistakes

Very, very,very bad idea.

You might even struggle to find a lender that would be comfortable with the idea and would be happy to approve the mortgage. Even if you get approval in principle, at the time the final application is put through and the whole situation/arrangement is considered, the mortgage can easily be declined.

So assuming you all have 1 child each, you want to fit in 6 people in a 3 bed "bungalow"? UK is not like Nigeria and this type of "naija" sense is not the way to go in UK.

Do you know what it means to have 3 names on a mortgage as well as its legal implications should anything go wrong or when one party decides he wants to sell or one or more parties decide they won't pay the mortgage ?

5 Likes 1 Share

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 2:59pm On Jan 04, 2023
wonlasewonimi:


I know people with Onlyfans account making £10k per month

Lexusgs430:



If you're a prolific forex trader, have the funds to open positions and win most positions ......... You can achieve this in 2 months.........

But if you're unlucky to constantly hit stop losses, wàhálà wàhálà wàhálà......... tongue

NB: Trade undercover ......... (not under a blanket)....... grin

Why are you guys like this? grin grin

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 4:09pm On Jan 03, 2023
Lexusgs430:



If you made the claim via PayPal, that's not a S75 claim....... That's PayPal's buyer protection claim ...... grin

I used PayPal credit which is supposed to give me the best of both worlds - section 75 and PayPal protection yet the claim was declined. undecided

The item cost about £1000

https://www.moneysavingexpert.com/credit-cards/PayPal-Section75/

I'm just making people aware that section 75 doesn't necessarily mean any claim you submit will be accepted by the credit card company. There's a process of back and forth involved which includes you contacting the retailer, the CC company contacting the retailer, and in some cases, the retailer can also contact you and your claim can still be declined. undecided

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 3:29pm On Jan 03, 2023
Lexusgs430:



Compliments of the season........

I know you hate us mentioning credit cards ...... BUT.....

If[b] she got a CC with 90 days interest free period, the money she took from the CC, would be paid in full, in 3 month's.[/b].........

Credit card or not, she is still obligated to pay that 3 month's rent, so she simply pays the rent money, back on her credit card ..........

Abi you have £2100 to loan her (interest free) ....... grin

She can't afford to pay her 3 months rent upfront, so how then will she be able to clear the balance on her card within 3months? cheesy
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 3:26pm On Jan 03, 2023
Lexusgs430:



He should have made his claim via PayPal......... If nah to buy RL shirt/boxers now ........ Hìn be RL specialist...... grin

Why are you like this grin

I made the claim directly with PayPal. They contacted the retailer, did their "investigation" and came back to say the goods was delivered in perfect condition so my claim is declined undecided

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