wonlasewonimi:


RBS will withdraw any employment contract if you have a default on your credit file.

you are right. I know a white dude that was with LBG and was offered a contract with RBS. the offer was withdrawn all because he had ONE missed mortgage payment from years ago which he claimed was as a result of an issue with his bank.

most companies especially financial institutions do not joke with an untidy credit file.

fatima04:


Just put 3years in that section, it's just coding and programming when you are ready.

However beware of credit checks that early, read somewhere that a bad check can affect ur scoring and also you have not done much to have a score albeit a good one.

Advise is build up for a couple of months say 6month by paying house rent,all your utility bills via direct debit, register to vote.

It's a gradual process that builds up from continuous inflow and outflow of cash regularly and timely

credit decisioning does not work that way.

there are software used to run checks on applicants that can within seconds check and confirm how long the applicant has lived at a particular address. if a firm uses such software, then expect your application to be refused. if there is a suspected discrepancy, a few might ask you to present paperwork confirming you've actually lived at the address for the duration you've claimed.

finally, i wont suggest telling lies in an application to obtain credit. it is seen as fraud and people do get in trouble for it.

there are other ways to build up one's credit history. a bank overdraft as low as £50 -£100 is an example.

Aphrodite007:


Is the credit check for a job or credit card? If it’s for a job, it doesn’t matter what comes out but if it’s for a credit card, I’ll advice you wait till you’ve lived here for at least 6 months, then use comparethemarket to find a credit building card or “initial” card (these are the only cards that you have have with no credit history but the interest is so high so ensure you pay back ALL).

So just fill the most you can for the dates and submit. And make sure it’s an initial card you’re applying for o, it goes against you if you apply for a credit card and get declined. (It will show on your credit check).

passing credit job for a job that requires such really matters.

i know someone that had a job offer withdrawn just because of a missed telephone bill. apparently, he was sent an unusually high phone bull and he chose to dispute it. however rather than paying off the bill first and then disputing it with his mobile operator, he chose not to pay the bill. it went down on his file as a missed payment.

Rubyventures:


I don't think you can in the UK if not all their land would be finished.

You obviously know nothing about the UK

https://www.gov.uk/tier-1-investor

There are people being issued investor visas (including Nigerians) and no, their land hasn't finished.

they've even just increased it to £2m and tied settlement to 3years after investing £5m.

It used to be £1m a few years back and then settlement after creating about 10 new jobs or so.

Killingmesoftly:


Thanks so much for all these informations. I really appreciate. Ps the last question can I and my hubby do a small court marriage here in UK and use it to fill my spouse visa from Nigeria when I get bk to Nigeria? my hubby can not travel back to Nigeria due to too much expenses and he needs to work hard to get money to pay for our flight tickets, i can only travel with my kids now and we still av to book flight ticket for them and buy other things.
To tell u guys the truth, I am really scared, I will try to leave from all these y messages, it is really scaring me.

Secondly since my hubby is working hard with his lawyer to get his permanent stay this year. Bc he said it will take 6months to come out. Can he use his permanent resident to fill for us, even if it is with the discretionary leave ? Bc u keep saying until he is a citizen. Can't he use his permanent resident if he gets it to fill for spouse visa or discretionary leave ? Thanks I await y response

please, don't be scared. all you need is to harm yourself with as much information as possible, consider all options and then decide on the best route to follow.

no, you cannot go to the council (where weddings are done) and get married. this is because one of the documents they will ask from you is your proof of legal status in the UK which will also be confirmed with the home office before the marriage ceremony is conducted. so, it is impossible for someone with a visitors visa (valid or expired) to get married in the UK. the home office introduced this rule many years ago to stop all the sham weddings and also stop illegals from changing their legal status whilst in the UK.

check this link and read under 'Giving notice of intention' to see the rules required by westminister council for weddings. the rule is the same for all councils across the country.
https://www.westminster.gov.uk/giving-notice-of-intention

getting married at any Church of England (Anglican church) used to be an option but this also requires proof of legal status.

the only option is for your husband to go to Nigeria and you two can get married at the registry. there is no need for any paparazzi. with less than 50,000 naira, you can get married at ikoyi registry. after this, then he can file for you as his dependant.

Now, if you choose to remain in the UK, Yes, once he gets his ILR, you can put in an application for discretionary leave but only do this AFTER you've registered your kids as British and they've been issued their British passport. since they were born in the UK to at least one parent (the father in this instance) that is legally in the UK, they should be able to register as British without any issue. since you cannot legalise your marriage, make sure you have bills in both your names (council tax, electricity, gas, etc) as these documents will proof that both of you are living together in the same household.

Although, I feel if you wait till after he gets his citizenship, your application might stand a better chance but there's no harm trying as soon as he gets his ILR. just be prepared to wait . . . . . .

if the application was done from Nigeria as a dependent of a PBS migrant, the application takes about 2-3 weeks.
Filing as spouse of a british citizen from Nigeria takes longer though; around 4 -6 months.

imnotconfused:
Fatima04,
@all
We are moving down south in a few months!! So scared and excited! I love this place but we have to go with the cheese.I hear things are more expensive especially in the KSS area but we will be fine..fingers crossed.

Still haven't bought the house because of this move.The houses i'm seeing around the area are from 5-6 huns for 4 bed I pity myself.

Have learnt from old mistakes,have very good credit history,using the credit card for payments and always pay back etc etc.

Since it's a new area we've never been to,we plan to rent first and then buy in 3-6 months.

congratulations. that's another migrant family leaving for England. you see why sturgeon keeps screaming that Scotland needs more immigrants?

start the house hunting as soon as you relocate. you will be surprised that it getting a house that ticks all your boxes might not be that easy to come by. if you can put than more than 10% of the mortgage deposit, please do - it will reduce your monthly repayments. shop around for a good deal (consider using a broker) and also consider going for at least 3years fixed deal (nobody knows what's going to happen after brexit - interest rate might go up). rent a basic apartment as this will make you uncomfortable and give you the push to buy your own home asap.

finally, I know we Nigerians hate the phrase 'life insurance' but for a mortgage that size, if you do not have a policy already, consider getting one (with critical illness cover) or get another life insurance policy (if you have one already) that's guarantees a payout that covers the entire outstanding amount of the mortgage.

MadameKofo:
Hahahaha. I think mostly IT. You'd hear £1000 and over per day sef.

Oga Ralphlauren please show us the way

Our seniors in the house can you please throw more light on sectors/jobs that pay good money. It Would be an advantage to know the sectors outside the medical field that are balling.

Looking through Job websites I see jobs with salaries of £30-40k per year but people here have talked about jobs that pay £500, £650, £700 per day and someone even said £20k per month.

Those with such info should please help us in demystifying the uk job market Abeg o

Thanks

the financial services sector - banks, private equity firms, etc. this doesn't just apply to UK alone. it applies to EU and also the US.
the stats do not lie.
https://www.libf.ac.uk/study/financial-capability/my-financial-career
there is more to financial services/banking than depositing or withdrawing money. A lottttttttttttttttttttttttttttttttttttttt goes on at back office.

I have some friends in some of the major retail companies also earning big bucks - Data analytics roles and the likes.

Killingmesoftly:


Thanks for your advice, I appreciate. How do u want me to go bk to Nigeria with three kids, still very little kids? I rather trust in God for the three years or four for the discretionary leave to remain.

My hubby is on work visa. But what they wrote in his visa is that he had the right to work and do business, but since he can not do business, he decided to get work at nursing home.
For now he does not av any qualification, he only did a certification course on health care which he used to get a work and he has done many trainings.

please do not consider my response as harsh.

I wish you had channelled your passion/drive you've shown towards planning your future into getting things right from the onset. you could have timed things properly and birthed your kids in Nigeria.

right now, the odds are firmly against you. you came as visitor, used the NHS which you are not entitled to and you had 3 babies, your husband is not British or EU, you are not legally married to your husband (home office does not consider bride price as proof of legal marriage) and you've refused to return back to nigeria. even those with British partners are often advised to return home and have their partner file for spousal visa.

I am not discouraging you or trying to sound negative but you need to be realistic with timescales and expectations. you stand a better chance of getting the discretionary leave AFTER your husband has obtained his British citizenship and registered your 3 kids as British (we are looking at around 2 and a half to 3 years from now). If you apply for discretionary leave AFTER he's been granted citizenship, expect the home office to refuse your application and tell you to go back to your home country and apply from there. if you refuse to leave, maybe after some back and forth, delay in visa application, etc maybe just maybe will you get the discretionary leave after a year or two years or more. You should set your mind on 5 years.

if you want to apply for the discretionary leave BEFORE your husband becomes British, then you need to consider what grounds your application is based on. asylum? FGM? health?

Killingmesoftly:


I am aving hope to further my studies, I will like to be a nurse. Can someone put me through on how to become a nurse, which cheap university or college can I go. I learnt I can do just diploma nursing. How much can I av to do it, I need to start saving, ps I need y advice house. Ps help mama triplets like me. I really need y advice so that I can bring up my family, I am a hard-working woman, I need to achieve like others in this country. I await all your wonderful contributions. Thanks so much. I appreciate u all for taking out time to assist.

regarding your plan of becoming a nurse, you need to complete a nursing degree for that. what part of nursing are you interested in? adult? child? both? mental health? midwifery?
https://www.rcn.org.uk/professional-development/become-a-nurse

nursing degrees aren't cheap. even if you wait until after you get your discretionary leave to enrol in University, you will not be entitled to pay home fees until you are British. as british, you are eligible for student loan and as Scottish, you might be entitled to free tuition.

at London south bank university, for a 3 years undergraduate degree in adult nursing, they charge UK/EU fee: £9250 International fee: £23, 125 PER ANNUM. so for 3 years, the total course fee for UK/EU is £27750 and International is £69375

http://www.lsbu.ac.uk/courses/course-finder/adult-nursing-bsc-hons#course_tab_fees_and_funding

there might be cheaper universities outside London. you can use this link to search:
https://www.healthcareers.nhs.uk/career-planning/course-finder

there is also thr route visa nursing apprenticeships.
https://www.nmc.org.uk/education/becoming-a-nurse-or-midwife/becoming-a-nurse/

With the current hostile immigration climate where banks are conducting immigration checks before they open bank account and carrying out remediation exercise on accounts held by foreign nationals so as to close down the bank accounts of illegals or is it some GP practices requesting to see proof of legal status before registering (I heard some foolish ones are even requesting proof of employment from non EU/British nationals), this is not the best of times for any illegal migrant.

I sincerely wish you all the very best.

Aphrodite007:


You see why I love you guys , I’ve learned too much from here. I honestly was thinking that was a cheap car . My co-workers say that I should buy a new car from the dealers. Maybe I’ll check gumtree. Damn I feel stupid

That’s it @ bolded.

Buying a new car is quite a popular choice for many (both migrants and non-migrants), so I am surprised someone is taking offence with my suggestion.

Honestly, if you can afford it go for brand new. Do your search. It is not as expensive as people tend to perceive. Some manufacturers offer 0% interest and even pay a contribution towards the deposit.

With a new car, you pay no road tax for the first year, no MOT payments for three years, some manufacturers even throw in free annual motor servicing.

Aphrodite007:


Wow poor guy! Lol. Thanks for this. I’ll keep it in mind

You’re welcome.

marylandcakes:


You 100% right, lets not drag this car thing out but I think you are on the wrong thread.

Most people on this thread want to be more frugal with their money and need down to earth advice.

It is not your duty to tell me which thread to be on or not.

I have given down to earth advice to many on this thread and I do not know where you have suddenly jumped out from. If my posts gives you headache, please ignore. The car talk was never directed to you in the first place. Jeez!!

marylandcakes:


I don’t think you understood the point I was trying to make. I was indirectly talking about the depreciating value of the car in comparison with a house whose value goes up.

I don’t want to keep dragging this car issue. To each their own. The amusing thing is that it’s even the least of my monthly outgoings. I pay much more on my mortgage and childcare than the “chicken change” that goes towards the car. I work too hard and I earn too well to be driving a tokunbo.

Again I stress on affordability. If one can afford it, there’s absolutely nothing wrong in driving a brand new car every three years.

May God bless us all. Amen.

EgunMogaji:


Here’s our interaction.

This is a direct effect of these Yahoo boys on my person

Chai. It’s really sad and annoying though.

Imagine having to travel thousands of miles to another city if you live in one without an airport or delta or BA desk just to validate a card

marylandcakes:


I thought that when you have triplets in this country you get offered a nanny and extra support? Please correct me if I’m wrong.

.

Offered a nanny? Paid by whom? In which country? Or are you being sarcastic?

http://www.twinsuk.co.uk/twinstips/20/94/financial-help-&-advice/practical-help-&-financial-factsheet-for-families-with-twins,-triplets-or-more./

Lexusgs430:


Oga Ralphlauren, why you dey counter her points? Pls chill....

Aye aye sir

Killingmesoftly:
My brothers and sisters i thank u all for your wonderful contributions concerning my topic. I am the lady that has triplets with my expired visa, I have decided to stay to enable me take care of my triplets. The lawyer is still working on my case but I av to excercise patience to enable me have my papers. I have to confess, it has not bin easy taking care of triplets. I av been up and doing. So buzy! Ps house what is a good salary in the UK for someone that does not av qualification? Someone told me that £3,000 is good to make every month for d family. But will £3,000 be Okey for me and my husband, with our three kids for every month? My hubby just got two rooms apartment and we are paying £900 but we pay for water, and other bills. He works as healthcare staff in a nursing home and earn £2,000 and he also do other jobs during his off days, atleast a month he makes £2,300. Ps will the £2,300 be enof if we manage it well?
May I know the highest pay one can get paid in the UK without certificate.

A friend adviced me that when my kids are 2years and when I get my papers, I should work as mental health assistance, she said they pay them well, beacuse she is working as a mental health assistance contractor, she only works at her convient time, mostly nite shift and at the end of the month, she goes home with £2,500. How truth is this ps? Working at y convient time and making that amount? I will like to know if mental health assistance is a good job without certificate just training. I heard that no certificate is required for the job. Is this really a good job bc I am scared of mad people.
I am looking for something to do to assist my hubby. Ps house I need your advice on these ps. Or is there any other jobs one can get well paid without certificate?

I am aving hope to further my studies, I will like to be a nurse. Can someone put me through on how to become a nurse, which cheap university or college can I go. I learnt I can do just diploma nursing. How much can I av to do it, I need to start saving, ps I need y advice house. Ps help mama triplets like me. I really need y advice so that I can bring up my family, I am a hard-working woman, I need to achieve like others in this country. I await all your wonderful contributions. Thanks so much. I appreciate u all for taking out time to assist.

To start with, you should have gone back to nigeria and have your husband file for you to return back to the UK as his dependant.

You’ve said your partner is on a work/business visa. I assume this is the entrepreneur visa so why is he working at a nursing home? Has he considered switching career paths? What’s his educational background ?

It’s going to take up to 2-4 years if not longer to obtain your discretionary leave to remain. If you had returned to naija, with all the right paperwork, within two weeks, you would have obtained your dependent visa which gives you unrestricted rights to work and also study and you would have returned back to the UK with your kids as legal migrants.

It would have cost your family a lot financially but when you consider lawyer fees, the back and forth with home office, the 2-4years (or more) of unemployment on your part (lost income), then you will see that returning to naija would have been a better option.

This route you’ve taken is just added stress on your husband. Being the only income earner for a family of five is tough and considering the fact is not eligible for any benefits at the moment.

Be wary of friends encouraging and advising you to overstay. I would also be wary of friends advising you to work at mental homes (when it’s clear you have no passion for such roles). Such friends are usually the group of people that believe the only roles immigrants can get in the UK is care job which is an absolute fallacy. You needs friends around you that will advise you to do things the legal route. Friends that can inspire you to aim for a role in a fancy office at Canary Wharf.

Now that your visa has expired, if you return to nigeria and your husband files for you with his current status, you will be refused. You will have to wait till he gets his citizenship (another 2yrs+) before he can file for you under the spousal visa route.

Until you regularise your stay, it’s going to be very difficult earning an income. Focus on your kids, decide on what career path you want and go on udemy and see if there are short courses you can take.

marylandcakes:


I think it’s better to buy a used car because no matter the make of the car, once you have driven it out of that forecourt almost half of the value has been knocked off. Even if it’s six months old to me you still make a saving. Insurance. Is also very high on new cars. The financial commitment is a lot for someone just coming in to settle down in the uk. Better to take on a mortgage than a car finance in my opinion but maybe it’s the accountant in me that’s speaking.

And what if you’ve gotten a mortgage already?

Again, I stress on affordability. If you can afford it, there’s absolutely nothing wrong in buying a brand new car.

People without settled status (ILR or citizenship) take out a mortgage, which is by a far a larger financial commitment than buying a car on PCI and they are doing very fine. Even if they leave the country, they simply covert the mortgage to a buy to let and hand it over to an estate agent to source tenants and help out with the management.

Lexusgs430:


I have not said buying a brand new car is bad, but fully understanding the financial markets is also very important. The pros and cons of buying a vehicle on finance..

If for whatever reason the lender cannot afford the finance, the debt does not dissappear into the cloud..... It comes with severe financial consequences... Best to err on the side of caution.....

True and that’s why I included a caveat in my first sentence .....”if she can afford it”.

If she can afford it, then she’s best buying a brand new car. The brand new car market is fiercely competitive. Manufacturers are ‘desperately’ looking at shifting stock all the time. I won’t be surprised if she gets a brand new car for £100-£150 a month (if not less).

Aphrodite007:


Wait you found a car for 4K? Wow! No wonder Oga shouted when I told him I wanted a 14k car. I was thinking 14k was cheap o , ah they will just sell me in this country

There’s nothing wrong in buying a brand new car as your first car as long as you can afford it. Do not let Lexusgs430 and co rain on your parade.

My MRS went straight to the dealership to pick up a brand new car barely days after she received her driving license in the post. The car was worth around £22,000 at the time. It was a finance deal and after 3years, she returned the car back to them and went to another dealership to pick another brand new car.

The insurance wasn’t bad as a first time driver. It was around £1200 or so if I remember correctly. She didn’t pick a provider from a comparison site. She asked the dealership to recommend an insurance company and she went along with the quote she was given.

Brand new cars come with its “perks”, so I won’t fault anyone that decides to get one. You have to be very very careful with used cars as it is easy to get your fingers burnt.

Imagine paying £4,000 for a car only to change all four tyres, brake pads and shocks within a year. And then shortly after you get told by the mechanic that the car’s engine is almost gone and you should prepare to SCRAP the car. This happened to a guy I know.

EgunMogaji:


Interesting.

I always book with my Delta American Express and I have to go the airport to validate. Very silly process.

I’m really surprised.

I even use it to pay for trips for family members without any issue and no, I wasn’t travelling with them.

As recent as last year - I paid for my parents to fly from Lagos to New York via london and I wasn’t asked to validate nada.

Lexusgs430:


Wow, this is bad.... Do you fly a jet?

Hahahaha. Well, close to ......

I have never encountered this issue before and neither have I been asked to present myself to their office/agent for any validation before my intended day of travel.

Maybe it’s because I book with the BA Amex card sha

LagosismyHome:


Omg ........ your wife is working way too hard if she has to hide a pregnancy and not take a proper time off / maternity leave . UK can be hard but this is too much n.a. or maybe just me

Working way too hard ke?

Announce a pregnancy so that they won’t renew her contract? Lol. Do you think high paying roles for “black women” are that easy to come by?

Well, if you earn a rate of c£700 per day with remote working available (sometimes she’s only in the office once a week when she’s got meetings with her stakeholders), and you have plans to send your kids to independent fee paying private schools, have a property portfolio to fall back on at retirement, etc ......... then giving up maternity leave won’t be such a bad “investment”.

Aphrodite007:


Really? I don’t pay anything on my Barclays o, maybe it’s cos it’s a student account. Like every damn thing in the bank is free for me. Maybe I shouldn’t migrate to the standard Barclay bank account then. Osho free men!

It’s one of those accounts that come with travel insurance , phone insurance, home emergency cover and some other nonsense.

Aphrodite007:


I’m telling you. And I’m in the north where the cold no get part 2. I’m saving towards getting a car. In 2 months, I should be gallant enough. I have already been eyeing some cars in chapelhouse (they give 0% interest for 5 years, which is think is just super especially as na auto I wan drive, and it seems they are more expensive here!)

Is that for new or used cars?

Do you pay a percentage contribution?

5 years is a long time to drive the same car (in my own opinion ohhhhh). So think about it well before you commit. You might even be better off going to the car manufacturer directly via one of their own dealership.

Lexusgs430:


But the interest element attached is not bank bursting.... Spread the cost of Road fund license + insurance, and benefit from its availability.....

The interest on mine was almost £300. I kid you not.

wonlasewonimi:


Is there any other way to search for insurance? The trick is to change providers every year cos they will double your premium even if you don't make a claim.

Another thing I have realised is that it’s best to pay the yearly premium in full upfront. Paying monthly is more expensive as the insurance company adds interest on monthly direct debit payments.

wonlasewonimi:


I have the three of them starling, monzo and revolut. They are very good. But my main bank now is starling. Go on your phone now and open atleast starling and try it for few days. You will stop using your traditional bank for daily spends.

I will open one with starling this weekend.

I’m happy to see challenger banks getting very good feedback. I think the main street banks are exploiting too much. Halifax has increased their monthly charges for one of their current accounts to £17. Fee that started from £10 when I first opened. Meanwhile, I have not made a single claim on the so called “added benefits”.

wonlasewonimi:


All my outgoings pass through Starling except for transport that I use revolut for. With revolut, you have the capability to save lose change into a vault and also do cryptocurrency. Monzo is for savings. I can't remember the last time I touched my other cards. I'm seriously considering switching to Starling business account.

Wow! Are these two “banks” that good?

I’m actually tempted to try them out based on your reviews.

Aphrodite007:


Exactly the advice I was going to give. Moneysupermarket is great, plus I’ve been seeing ads for confused.com (for car insurance). I intend to check them out when I’m ready to stop jumping bus!

Moneysupermarket is the truth mehn.

I was previously with Churchill for my car insurance.

A colleague told me about comparing providers so I went to moneysupermarket.

Guess what? I got a quote with Admiral that reduced my yearly premium by half !!!! I was shook. I also discovered I can get cheaper gas and electricity, so I’m considering switching that as well.

folake4u:
Hello Ralphlauren, I just read your diary and I got inspired. Are you still keeping fit? I'm very curious.



PS: I'm a fan

Awww. Thanks you.

I can’t believe that thread is still getting views. Hahahaha.

Yes, I’m still keeping fit. I walk/jog a lot (almost every morning) and this has really helped. I still consume fruits daily although I do not go through the stress of juicing them first.

My feeding lifestyle is however not perfect. I have a constant battle with bread or anything flour based - white bread, brioche, pancakes, banana cake, carrot cake and so on.

What’s your own feeding regime?

Annabell

It’s wrong to “rejoice” over the death of a child. You even had the nerve to put laughing emojis in your post above when referring to his late child? Haba! How low can you go?

How much were you scammed sef? Was it up to 1m? You are spewing too much hate and bile.

Why reach out to help someone in need (scammer or not) hence painting the picture that you are a generous being when there’s a part of you that harbours such hate and vengeance when you are wronged? What does your religion teach you on forgiveness ?

I can only shudder at the thought of what you to do those in “real life” that have wronged you.

Please forgive and forget. Move on. Change your ways. Imbibe the spirit of forgiveness and constantly pray for God to remove the spirit of bitterness from you.