JustAPasserBy:
Guys with experience please help.

I parked my car in the work place parking lot (forgot to pull the handbrake). And went into the office.
During storm Franklyn, car rolled back and ‘rested’ on a Mercedes Benz E. This broke the Mercedes Benz Logo on the front grill.
I met with Mercedes owner and asked if repairs could be arranged outside of insurance.
Today, I received a quote of £1,052 Which is really plenty (considering the small damage as I perceive it).

Now I am thinking of involving my insurance company. Is this a good idea please?
Will my premium increase massively next year? Will this count as me involved in an accident? I am in year 3 of No Claims. Please is the No claims bonus (after 5 years) usually big? Is it worth it?


Please people Mek Ina No jump and pass. Help a sister.

He might have to replace the entire grill as it might be impossible to replace just the logo. Mercedes parts and servicing are also expensive and as someone pointed out, it might be linked to sensors, etc.

Personally, I will involve my insurance company just incase the individual comes back to claim further damages.

Viruses:
I'm supposed to Pay my rent on the 30th. Seeing that February does not have 30th, when will be the ideal date to make the payment?

The last day in February (whether its 28th or 29th February)

TheGuyFromHR:


Agriculture.
Basically anywhere lower-skilled work and immigrant labour intersect.

But such behaviour from ANY employer regardless of the sector is classed as "modern slavery" and it should be reported as its a serious criminal offence.

umarwy:



There is a group called https://www.equality4blacknurses.com/.

She should join they will advise her properly

She's a carer though and not a registered nurse. Can they still help her?

The only option I can think of is taking them to an employment tribunal but that involves a fair amount of legal costs and there's no guarantee she will win.

Her best option is find another job and negotiate exit terms with her current employer. They might be willing to reduce the bond amount or agree flexible repayment terms.

TheGuyFromHR:


Unfortunately, this sort of thing is not new, and not only in the care sector.

Wow. Which other sector can such behaviour be found from employers?

Mamatukwas:


Wawu. The danger of a single story. I read the first article and already started feeling sorry for him. Felt he was just misunderstood. Alas the guy was trying to flee. Hmm. Na wa.

When he started his "campaign of innocence" years ago, I also assumed he was a victim of curcumstance until I started digging and reading further.

fatima04:


And to add to the above worst case scenario,
We all need to start learning legalities in the UK or abroad generally. Police may not be your friend when interrogating you.

See the below story of a naive Nigerian in the US who was jailed due to not querying the source of the forex transfered

https://nigeriabroad.com/a-us-based-nigerian-is-in-jail-on-fraud-charges--it-all-began-after-he-hosted-a-friend-visiting-from-nigeria?fbclid=IwAR1PTcqNv5zhCFaYpjQemRPXpl4y8k_c0f0uGc0PVGU_ImbIYny9Obbwlto

Preach it sis.

There are cases like this in the UK, just that they are not widely reported in the media.

Regarding the news article you've shared, I can't believe the guy is still insisting he's innocent after all these years. I think he is just trying to save face with his family.

He was arrested at the airport while planning to purchase a ticket to Dominican Republic (a country that does not have extradition treaty with the US). He was also indicted for arranged marriage. The dude seems to think a person in receipt of proceeds of fraud/crime is not liable for investigation/prosecution. I had a read through some of the documents on his website. Its obvious he sent up the money exchange business to "clean up" the dirty money from his criminal associates. He was fully aware those funds were proceeds of BEC and romance fraud.

https://www.google.com/amp/s/www.vanguardngr.com/2018/12/abike-dabiri-family-of-detained-nigerian-bicker-over-correspondence/amp/

azingo:
Please as this happen to anyone before, and what is the solution.. i purchase 500 pounds twice from someone making £1,000 and i paid the naira equivalent into the person account, the pounds was Transferred to my revolut account which I have been using for transactions for some time.

To my surprise my revolut account was blocked from doing transactions, although I have about £200 left in the account

Its possible the £1000 you were credited with was proceeds of crime/fraud. If the money was obtained via criminal means (e.g. romance fraud or BEC) , you may have unknowingly helped this person launder money. This is one of the risks involved with exchanging pounds for naira especially when you do not know the person you are buying from and neither are you 100percent certain the source of their money is genuine.

Contact revolut and see what they say. I don't expect them to provide you with any concrete information but be prepared as they might ask you questions relating to the transactions.

Best case scenario, they remove the restriction on the account and/or they close the account. Worse case scenario, it might end up as police case and/or you are reported by the bank to CIFAS as a perpetrator of fraud.

https://www.msbsolicitors.co.uk/cifas-fraud-markers-the-problems-

https://www.cifas.org.uk/

Abiodunnn:
Hello people,
I just gave birth to a baby boy and I’ve been looking for where to get him circumcised but I’ve not had any luck. I’m in Essex and I don’t mind going to London for it.
Please who has any pointers ( i prefer jewish doctors)

https://londoncircumcisioncentre.co.uk/

he's Asian though

mizGene:
Good evening everyone.

I was playing around with the mortgage calculator on rightmove... I noticed that for a house of say 600k, the monthly mortgage could be 2500 with a 10% deposit. But curiously, doubling the deposit to 20% only marginally reduced the mortgage to like 2200 (the figures are not exact)
Is there any trick to striking an agreeable balance between increasing the deposit paid and achieving a lower monthly mortgage...cos the way it looks to me, one might as well deposit only 10% and invest tge rest in a buy to let...

£300 might seem like not a lot but over a year, 3 years, 5 years, 25 years, its actually a lot of money. As fatima has rightly pointed out, the bigger your deposit, the bigger your equity.

Estroller:


Thanks. Seems kind of unfair to have to pay it twice as both houses are under the same local council authority and also one will be empty.

Depending on the council, you can apply for an exemption and pay little or nothing towards your council tax. The property has to be empty, unfurnished and currently undergoing renovation. Check your council's website for further information on their terms and the discount offered.

You must inform the council as soon as your circumstances change (e.g you were granted a 6 months exemption but you moved into the house after 6 weeks). This is because they carry out regular visitation at properties that have been reported as "empty" and where they find out the owner/renter has been dishonest, there are usually very stiff penalties

canadaishome:


Yes definitely not going to abandon. If at all spread the rest somehow. Thank you for your insight.
We just feel settled already in Aberdeen and now this. Which is a good problem Sha
The offer is for 5 years

I actually think you are very lucky.

There isn't much going on in Aberdeen job wise ever since the "oil crash". A lot of my friends that had high-paying oil and gas jobs in Aberdeen have since moved to countries like Anjola, middle east and even Nigeria leaving their wives/kids in Aberdeen while they shuttle the UK frequently. In fact, in the last few months, some of their wives have secured jobs in England/other parts of Scotland and they've sold their houses and relocated.

Try your best to complete your studies and be ready to make compromises (e.g. spending more on reliable childcare). 12 months from now, you will look back and be glad you made the move.

Mstravelindiva:
Delicious Rose wine at our hotel rooftop bar, Tapas (octopus), morning view of the port from my room balcony and the Alcazaba at night.

Thanks for sharing.

I have taken notes.

I have a holiday booked in the next few months and I'll be staying at Marriott's Playa Andaluza.

Kobojunkiee:
I have been back on almost 2 years now.
Unlike before, I barely spend any time in politics section though... I found God and quit that foolishness.

ukay2:


But the couple in the yutube used LISA to buy their mortgage house nah, so it out affect their ILR

I watched the part 1 and the man specifically mentioned they used help to buy.

ukay2:


It's not a public fund and I have friends who got their ILR despite using the LISA....please verify.


Lifetime ISA
You can use a Lifetime ISA (Individual Savings Account) to buy your first home or save for later life. You must be 18 or over but under 40 to open a Lifetime ISA.

You can put in up to £4,000 each year, until you’re 50. You must make your first payment into your ISA before you’re 40.

The government will add a 25% bonus to your savings, up to a maximum of £1,000 per year.

The Lifetime ISA limit of £4,000 counts towards your annual ISA limit. This is £20,000 for the 2021 to 2022 tax year.

You can hold cash or stocks and shares in your Lifetime ISA, or have a combination of both.

When you turn 50, you will not be able to pay into your Lifetime ISA or earn the 25% bonus. Your account will stay open and your savings will still earn interest or investment returns.

To open and continue to pay into a Lifetime ISA you must be a resident in the UK, unless you’re a crown servant (for example, in the diplomatic service), their spouse or civil partner.

Any UK resident with national insurance number is entitled to LISA. No way was it mentioned that it affects ones ILR.

Help to buy scheme and LISA are two different things.

codedarrow:

https://www.youtube.com/watch?v=H6PMqSF3nnA

https://www.youtube.com/watch?v=iCyRFvazABA

They've casually mentioned that they used the government's help to buy scheme which means all they had to do was drop 5% deposit.

I hope they are aware that such schemes are tagged as public funds. Good luck to them if they are not indefinite leave to remain holders as at the time they made the application . . . . Only an idiot with an eye on UK citizenship will claim public funds and think they can get away with it . . . .

money121:
More

You are still blowing grammar when you are supposed to hire boys and go and remove your roofing sheets from the house.

I don't think you know this woman. Shi shi she won't pay you.

This woman hasn't changed Chai.

She showed inspired autos shege years ago.

Wonlasewonimi come and see oh

StarMonkey:
I'm just asking for advice to enable me make a well informed decision.....I think that's fair

Though I prefer the UK offer because I have friends there. UK company is a bank while the other is an Insurance Company

The wage difference is high. Multiply it over 12 months and its no brainer which of the two offers to accept ....

yolkman20:
Good day and compliments of the season to everyone here.
Wifey, myself and our 1year old daughter will be going to the UK by month end latest by his grace. She'll be schooling in central London and I'm having difficulty in making decisions on where to stay. I heard London is really expensive and it's advisable to commute from nearby towns.

After many considerations and research, Luton fit within my budget for 2bedroom flat, budget is 850£ at max. Now there's so many negative reviews about Luton and I'm not sure I want to go there. Please, I need advise on commuter's town where I can get 2bedrom flat for 850£ and below...thanks.

Meanwhile, we fit manage 1bedroom flat for now and that will also save us some costs.

I lived in Luton for about 4 months in 2007 and it was terrible!!!

I can only imagine its much worse 14 years later.

canadaishome:


Because Scotland is awesome

Preach it.

canadaishome:


In my opinion and this may be unpopular, but I think giving her mom money monthly should be a choice and not an obligation especially if your wife has siblings.

Your opinion is actually not unpopular . It should be by choice and not an obligation.

Mamatukwas:


I agree. She’s in Scotland though and Uni is free here for residents. So while I’m not knocking what you’re saying, If they are still in Scotland 3 years from now, she should be able to get undergrad free for the kids that are the entering at the time.

Ma'am, the kids won't qualify for free tuition based on just 3 years residency alone oh but they might be eligible for student loan which HMRC will get back from them as soon as they start earning above a particular threshold.

They must have attained settled status to be eligible for free tuiton. Please refer to the link and screenshot I posted above which is directly from the student awards agency Scotland - the body tasked with processing applications and paying out the fees to the universities on behalf of the Scottish government.

I have a family friend with a Nigerian born son which she brought along with her as a child (i can't remember the age he relocated but he couldn't have been older than 10) and she overstayed her visa. She eventually regularised his status and was able to secure ILR for her son in his final term in high school. The University had expressly told her he would have to pay fees due to his status at the time. The child in question attended both primary and secondary school in Scotland. I know her stoty because she told everyone that cared to listen about the testimony

Mamatukwas:


It might be Uni dependent for Scotland. My husband’s colleague is paying resident fees for his Mres. He’s lived here for 4 years. No ILR yet.

This is thousands of pounds and it's not uncommon for universities to offer "bursaries" to students irrespective of their immigration status to offset part of the fees.

In the case of the poster I quoted above, she is seeking advice for undergraduate degree which isn't cheap even for those with settled status in England (average is around £9000).

https://www.google.com/amp/s/www.independent.co.uk/news/education/university-tuition-fees-england-highest-world-compare-students-student-loan-calculator-a7654276.html%3famp

babajeje123:
This is a personal issue that is bothering me. I have decided to post it here with the hope that I would get matured advise here. Besides, people on this platform would be able to advise better since most live in the UK.g

Can two work together unless they agree? One will chase 1000 and two will chase 10,000.......

Put on hold the plans to bring your mum over and focus on getting your wife a job ASAP. By the time she sees how much you are paying for childcare or the impact it has on her career (eg. Unable to work longer shifts, overtime, get a 9-5 office based or hybrid job), she will be the one pushing to have your mum over to support with childcare.

As soon as she gets a job, she can decide to put her mum on a salary and give her whatsoever she wishes as long as its not to the detriment of her immediate family (eg. She is unable to save enough for her psw dependent fees, etc).

Maturedhustler:
My people,

I have been a silent follower of this thread and UK student thread for months. I have read and keep reading to learn and channel my course from many experiences in this forum. Thanks to great contributors like Justwise, chreze, Fatimo04, Lexusgs430,Scoobydo, Lagosishome, HRguy, Dupshe and many others too numerous to mention (apology if I wrongly spelt ur ID)

Following my learnings from here, I have successfully entered UK (Glasgow to be precise) with my family via student (UWS, Lanarkshire) route. Currently in BnB as advised for next 2 weeks while searching for permanent residence. I am searching on openrent, Gumtree, Zoopla etc

My campus is in Lanarkshire, Scotland but my priority is best school for my kids (16,15,13 &10). In my search, Refrenshire has best schools but we like to have local/close to ground information that can guide me in areas to focus on while searching for accommodation.

My 1st intention for relocation is to get my teenager children into UK university without paying international fees as UK resident (getting best education at reasonable cost) and I guess to achieve that, I have to start looking beyond my 1-yr master program. I need a lot of guidance on this. I am open to work/setting up business (good in pastry, restaurant and supermarket)

I got a hint that as a student even if am a resident, my dependent going to university/college will still pay international fees. Pls I need confirmation on this for my guidance. My first child (will be 17 by Apr) is to enter final class in High school and should be going to higher institution later this year.

My husband is willing to support via his work back in Naija and be visiting for now. He’s open to changes as event unfolds.

Thanks in advance as I look forward to your sincere advice.

Your kids will pay full international fees whether you reside in Scotland or England unless they have ILR or British citizenship and they've been resident permanently the country for a stipulated period (minimum 3 years)

Universities are very strict now and they ask for evidence of settled status/citizenship/visa/residency status prior to enrolling the student for an undergraduate degree.

https://www.saas.gov.uk/full-time/funding-information-undergraduate

https://www.savethestudent.org/student-finance/finance-system-for-scottish-students.html

justwise:


bro you try oo, 4kids on student visa route is not beans, well-done!!

Regarding your question about your kids paying home student's fees..i pretty much doubt that.

Its actually a very common trend now. Majority do it for the "free" education the UK offers at least pre University. Parents are reluctant to pay exorbitant school fees for "poor" standard of education in Nigeria.

onibokun10:
Hi guys, where and how do you keep your property documents before traveling pls?

Our major banks don't offer the service

Are you sure about the bolded ?

Safe deposit box is a service offered by a lot of banks around the world.

I know for a fact union bank nigeria offers this service. Go to one of their major branches and ask for a safe deposit box account/service. You will most likely be asked to open an account with them as its a service offered to existing customers.

Another option is to bring the documents with you to the UK and use the safe deposit box service of any UK bank. I'll personally recommend NatWest.

Folabifreeman:
Will UK still make any announcement tomorrow 20th?

What announcement are you expecting bruv?

Boris Johnson's resignation? Another hike in income tax and NI?

Osoderi:


Thank you.

But do you know if they accept Nigeria degree certificate.

Of course they do.

What they care about is your skills,expertise and experience to do the job.

I'll focus on getting to the interview stage and excelling.

Reminds me of the first time I got an interview invite for a role at Morgan Stanley many years ago. I was so overly excited that I spent a lot of time googling and researching on a lot of nonsense. It wasn't a surprise I didn't do well at the interview. Since that experience, I have learnt to remain calm, not count my eggs before they are hatched and focus on the right things.

LagosismyHome:


Congrats and glad you had a backup.... I don't know why companies can be so mean. There one guy I met, he was made redundant one month to iLR while on tier 2, he begged them to not even pay him and just be on the books since it was just one month and they said no. It was very painful. The wife was a housewife and no backup to even quickly do student visa...he had to go back and back in naija no real job.

So I am really happy to see you got to the finish line, even though I don't know you lol...

Honestly, hats off to those on that route. Imagine being at the mercy of your bosses and HR who know very well that you are in the country just because they agreed to offer sponsorship