₦airaland Forum

Resurgent2016:
The scammers are often easily identifiable.

They mass post cars. Check their profile and you'll see they posted lots of car usually at give away price.

Also, don't pay until inspection.

Check car MOT history online using number plate, reveals some faults the car may have had.

Get the book value of the car by filling a dummy insurance quote online

Once I spot one, I block immediately so as to not see his other ads.

Any once I get a reply that ..contact us via….., I know it’s them.

jedisco:
Sound like a lot of manual fiddling. What happens if you forget or have a busy day?

I prefer setting up all my DDs to be on a particular day (preferably after payday). That way, I know what sum I need to leave in my account to clear it and move most of the rest to savings afterwards.

some refused to change date, changed employment like 3 times, so all has been affected, yeah I get notifications from my calendar and bank before tge DD day as well, also I always keep extra cash in account c

jedisco:
Valid contract terms are generally upheld even decades on.
There are different types of DD but one put in place after a valid credit agreement shouldn't be cancelled unilaterally. It's why there are good consumer laws e.g 14 day cooling period. If not, folks would simply cancel their DD for their mortgage, pcp, insurance e.t.c as they see fit.

BTW, missed payment stays on one record for up to 6 yrs and can significantly impact ones chance of a good credit/mortgage in future.

Reason why I have overdraft in-place in my DD enabled bank accounts. Then add the money before end of the day, to avoid interest on the overdraft.

babajeje123:
E be like say na me no read the email well.

Yeah, that’s the norms.

Wking:
My People can someone on care Tier 2 Visa get SIA badge?

No,

Uk gov won’t approve your sia licence.

Knew someone that was affected. He already paid for training and exam, passed the exam I think, then time to apply for badge, he was served breakfast.

If you are a dependent, then no problem.

yolkman20:
Hello everyone,
Please I need advice.
I'm in a situation and i need advice on how to opt out.
So my uncle wife took advantage of my wife because of too much respect. (wifey bleeped up big time). We recently moved close to them because she's the one who helped us with COS. She recommended a cooking pot (salad master) as we needed to set up the house and kitchen, but i declined immediately after i heard the price (4200 pound DD payment for 4years for 5pcs set.)
During the chat, i discovered she'll get about 500quid referral and thats why she's desperate for us to buy it. The discussion happend about 3 other times and my response was no. My uncle got involved at a point and he also supported her wife because that's what they use too but i insisted. Then she turned to my wife and start to convince her but we'd already discussed and it was a NO.
Fast forward to a month after, my wife was in their house sleeping, she then woke her up only for her to see the pot has been supplied, and they were already cooking with it for her induction and to use it. In the prescense of the supplier, my wife tried telling her we've already discussed this many times and we were not interested but she cut her and told her since they were already cooking with it, we cant opt out. She couldnt call me because she wasn't with her phone. She ensured all the paper works was done and DD was set before she let her near her phone. My wife has so much regard for her and that's why she couldn't say NO. Too much respect...

I got to know that day and i got mad at her, how can you let her lure you into a 4k financial engagement despite several discussions, she just dey cry and she was preggy....

I immediately told her to come take the pot but the supplier said no way, DD has been set and there's no going back)(dey don plan am.)
Bleep up i did was, i should've rang the company directly but i just gave up because i dont want issues between me and egbon.
Now, COS no get shift, there's no work in cardiff at all and all the load is on me. DD is 94quid per month and it's choking.

Here is my question, is there anything i can do to opt out legally? we're 6 months into the contract and it feels like forever, i dont mind losing 1k just to opt out, but i dont wanna do this no more... We can't afford with the all the bills and expenses we already have.

It's tiring...
I look forward to ya'lls suggestions

Try this again, make sure you document, probably community via email if possible.

( Speak to the Company Directly. While they might not be legally obliged to allow you to cancel, they might be sympathetic to your situation, especially if you're experiencing financial difficulties.

Thoroughly review the contract to understand the terms of cancellation. There might be a provision that allows for early termination with a penalty fee. This could be more manageable than continuing the monthly payments.

As mentioned earlier, if the company isn't helpful, consider reaching out to the Financial Ombudsman Service. They can assist in situations where consumers feel they've been treated unfairly. Explaining the circumstances surrounding your wife's decision may prompt them to investigate further.

It's important to seek legal advice before taking any action. An attorney with experience in contract law will be able to provide guidance on the viability of this argument in a legal setting. The concept of "duress" in contract law generally refers to situations where someone is forced or threatened into agreeing to a contract. The attorney will evaluate if your wife's circumstances can be categorized as such.)



Lastly, my advice,

(First and foremost, I want to acknowledge how challenging this situation must be for both of you, and it's entirely natural to feel a mix of emotions. I understand your frustration and the strain this puts on your finances, especially at such a crucial time with the baby on the way.

However, I'd advise you to approach this with a calm mindset. It's essential to remember that everyone, including ourselves, can sometimes find themselves in tricky situations due to unforeseen circumstances or decisions made under pressure. This could have happened to anyone, even you, in a different form or manner.

I understand the weight of the situation, but turning things bitter or difficult for your wife isn't the solution. She's currently carrying your child and needs your support and understanding more than ever. You both are partners, and this is a hurdle you'll need to cross together.

In times like these, I believe in seeking guidance through prayer. While situations may appear bleak now, life has a way of presenting solutions when we least expect them. We've all faced various challenges before, and looking back, we see they've become a part of our growth story. Similarly, this too shall pass.

Imagine if you were in her shoes, having made an unintentional error. How would you hope she'd react? It's a chance for compassion, understanding, and support. Life often tests our strength and patience in ways we don't anticipate.

I genuinely hope you both can find a middle ground and a solution that works best for your family. Remember, time has a unique way of healing wounds and making things better. Stay strong and united, especially now. I pray that God guides you both during this time and makes the path ahead smoother for you.

Take care and be there for each other.
)

babajeje123:
Please I need help from people who work with NHS. Is it true that NHS doesn't sponsor unless the visa you are on is 3 months to expire?

What I know is that some if not all will not sponsor until your current visa is about to end.

But I don’t know the answer to if they will sponsor you or not, but if they told you that you will be sponsored then, they will towards the end of your visa, but just double check with them especially from HR, if they will be able to sponsor you, better to confirm via mail.

lavida001:
Where have you been mate ?

Lol, na on top car issue i been dey for over a week or so, insurance paid me out and was giving 1 week to return courtsey car, I was searching every where to buy car, went for lots of viewings becasue i'm on budget and had a specific specs in mind (Ulez free, auto, comfortable like the courtsey car, petrol (dont want dpf issue again)), las las na one kind benz of 12 years old i bought, thats the only car that meet all the requirements, little bit comfy.

Funny that mercedes of over 11 years still perform better than some modern product of some manufacturers.

Let me drop this maybe it might help.

Do you know that you can borrow someone your car or borrowed someone else car by just buying out an insurance (can be daily or weekly), I do use Veygo insurance.


Meanwhile, don’t forget to apply for Civil service job oh,

Been hearing lots of *yes* from friends, family & colleagues recently.


Almost all jobs titles and roles are there and if you don’t have experience don’t worry, just filter for Administrative officer roles (most don’t require experience), just apply for as many as possible.

Very fair recruitment process (infact one of the fairest I’ve ever seen, lol)

Don’t be deterred by writing personal statements

AntiMCU:
Can anyone point me to an online resource that might be of assistance in helping me understand how interviews are assessed here: way to talk, tone, pace, volume, body posture, being clear and logical enough, what to do if you don't have an answer to the question asked or not prepared for it etc.

I will appreciate.

Thanks.

I got started with (
https://www.youtube.com/watch?v=KCm6JVtoRdo?si=F885v2T2q1ree48X).

I watched over and over and over again till I tired, I learnt so many things from this single video (don’t want to start mentioning it), at a point I downloaded the transcript of the video and read it to understand it more.

Lol, I mimicked him at a point in time.

You’ve got to learn a lot from his channel in general.

Meanwhile don’t relent, keep trying, lots of reason why we don’t get job easily (don’t want to go into this).

jum33:
very Insightful piece ,kindly share your mentorship programme contact

kasillars:
Hi, is there anyway you can link me up with your mentor or any mentor because I sincerely need one to guide me.
Thanks

It’s Masterschool, it’s expensive tho, meanwhile not everyone has been able to get job.

Actually I don’t want to mention the name, but the main point is mentorship to provide a tailored advice.

It could be from anyone, already in the industry/field you intend to work, could be training centre.

YouTube, Udemy etc are fantastic, but someone still need to a guidance to tell you what you need to learn, by not diverging from one course to another without a clear path, it could be a friend as well.

Regarding people using boot-camp, ensure that the course provider can provide you reference.

Regarding cv, you could use the word (Trainee Data …) the list your roles&responsibility, make sure it doesn’t reflect that it’s a paid job, (or preferably list it under education).

Regarding people that have been doing jobs not related to the field they intend to work, (e.g. factory work, care job etc.) ensure you list the job as a part-time job, it could come last in your cv experience. Employer sometimes do wonder what you’ve been doing since that period (maybe you arrived in uk in Jan 2022, and you've been doing care since then, and you want to start applying to job in 2023, just put (Part-Time Healthcare assistant) then list 1or2 roles&responsibilities for it.


Reason why being that some interview question could come in the form of (tell us about confidentiality, tell us about working in a team(, tell us about inclusion&diversity, etc) that your care experience could be very good to explain them.


Lastly don’t forget to use AI for assistance in almost all aspect, (chatgpt, bing chat, google bard, Claude Ai, etc)

.

ladyinred:
Good evening seniors in the house.
I just arrived UK on a student visa. I have a BSc Chemistry degree and a prior MSc Pharmaceutical and Medicinal Chemistry degree. I’m currently enrolled at the University for MSc Forensic Science Programme.
I guess my question is, what additional resources, skills or activities do I need to learn in these fields to make me job ready at the end of my degree? Bear in mind that I’ve no major prior work experience in these fields as I’ve only worked in Administrative roles since leaving school.
I’m not desperate to get student jobs at the moment, rather I’m looking for guidance on what to do whilst studying to make myself a formidable candidate in the job market on graduation.
Please any advice/input will be greatly appreciated especially from folks with experience in the fields mentioned above. Thank you 🙏🏾.

Focus on Civil service job website, you’d likely see a role that align with your expectation, probably UKHSA department. Could check NHS (both trac and Scotland) aswell

justwise:
HO has spoken

lol,

jedisco:
------

To me, there was a clear reason why one passed on the first attempt and the other stuck in a quagmire. I have seen same trend with many exams in this country. There's hardly ever a catch. Perception and preparation are usually what is needed.

Is it safe to add luck as another factor?

Your observations on perception and preparation are insightful, but I wonder if we could also factor in an element of luck or chance?

For instance, consider two drivers taking their practical test: Driver A has a smooth experience with no unpredictable obstacles, while Driver B, despite being equally prepared and diligent, encounters a reckless driver that complicates their test outcome.

Such unforeseen circumstances can often sway outcomes, even if one is adequately prepared. It's reminiscent of many other facets of life where, despite our best efforts and positive mindset, external variables play an unforeseen role in our experiences.

May we always be favored by luck and may the odds be in our favor in all our endeavors

hustla:
Try Udemy, don't waste £4K

Stéphane Maarek
Joe Bonso
Adrian Cantrill
Pytholic on YouTube
AWS free resources on YouTube

Although this depends totally on individual circumstances, watching lots of tutorials from the likes of YouTube, Udemy etc doesn’t work for everyone, although you’d likely learn the required skills, but most doesn’t provide that mentorship needed. I spent that over 1 year trying to self learn by watching different tutorials on all tools used in data analysis, I don’t actually know what to learn and to what extent to learn it up to, sometime, I will read article on twitter or LinkedIn about a new software tool to use for analysis, I will quickly jump to go and learn it, to a point where I’m learning so many tools without much direction and funny that the tutorial videos of all are available to keep you leaning.

I learnt SQL, python, excel including macro, mmsql, mssrs, power bi, tableau, aws, azure, snowflake, git, etc without a direction and all are used by data analyst but different from one organization to another for there use case.

It was until when I joined a mentorship program where industry expert started guiding me on what to learn and not to learn, then I remained focus, 3 months after I got my first job and that’s history now.

So basically I’d advice people to look for someone to mentor them to provide tailored advice or guidance.

Most self learn videos are just to learn the skill, and if Simone is not careful you will just be learning all those big tools and new technologies without learning the basics, which most organizations are still using.

Met someone few weeks ago, was applying to data analysis job without know the basics like pivot table, using formulas in excel, which are basics or elementary in data analysis. Can’t even use filter properly, but was quick to mention that he can use ssrs, advanced sql functions (like functions, triggers, cte, etc) .

Someone can go on LinkedIn, search for people already working in that field you are interested in, you might likely find someone willing to provide guidance.

Although, I paid for mine anyway.

lightnlife:
Yes, we got a mechanics from ClickMechanic to go physically inspect the cars……..

All the best.

Thanks 🙏

Solumtoya:
So annoying. I block each of them to reduce it on my feed, I don't even bother chatting them up cos from the ad and the seller's profile, you can tell it's a scam. But they are so many!

Sincerely, too many of them, that Its now frustrating me. It wasn’t bad like this last year.

The only way I filter out scammer is by checking if the account if recent or not, once I see 2023 or 2022 I just ignore.

lightnlife:
If the offer is too good to be true, then, run!

For Facebook market, our strategy was to target private sellers within 10/20 miles radius as against "dealers".

Suffice to say, due diligence is required either when dealing with a private or third-party seller. For instance, we met a dealer who had loads of automatic cars. We test drive like two and we were going to make a deal on one but upon running the plate number, nothing came up on gov.uk. It was suspicious. The seller tried to convince us that the car was registered and listed on gov.uk and we were probably using the wrong link but he was showing us the reg details on his phone.

At that point, we became skeptical as there was no footprint of the car anywhere. Then, I recall reading stories of stolen cars with swapped plate numbers and VIN. It just seemed all dodgy of a deal. We had to let go.

For Autotrader, all the potential ones we saw were far away; 50 - 150 miles away from. We used ClickMechanic for a couple of inspections. The reports and detailed pictures were damning with strong advisory not to purchase. At first, the inspections felt like a waste of money but they usually unveil massive issues that would have been swept under as the cars were looking lovely in picture and description.

The car we eventually bought was from a private sellers within our community via Facebook market. We tested the mechanical and electrical bits ourselves and decided it was fix for purpose. Also, your negotiation skills will be handy in closing the deal for your preferred choice.

Hope this helps!

Thanks for your detailed explanation,

Did you invite Clickmechanic to physically inspect the car or what, could you provide more info?

In regards to negotiations, from how much to how much did you negotiate, because it really affected me last year when I bought a car, I later noticed that I paid over 500£ for the car value, could you give me an example say the listing price is like 3000£, like how much do you think I can start my negotiation, I don’t actually have much experience negotiating with White as I always believe the listing price is the last.

How did you go about the mechanical and electrical test, is it just a physical check or inspection from test drive only.

Could you list things to check for other than normal checks like MOT history?

I wasn’t really happy that I cant use my former car anymore as a result of accident. I spent a lot to get the car into a very good condition after spending 1.5k£ to fix all necessary things. It was when I’m about to start enjoying the car that this unfortunate accident happen.

Can’t imagine buying another car and start seeing issues with the car.

lightnlife:
If you're currently not looking, you can search on Facebook market. We got a couple of fantastic offers there and even better than autotrader. However, availability/accessibility will be dependent on promixity/location. All the best.

How did you filter off those scammers, Lots of prices I’m seeing are not real, too low for the actual car.

Once you message them, the next thing is they will send you an email to contact

carik:
Good day everyone

I am currently in Colchester , UK with a student dependent visa and I have got an interview with an NHS trust in Chester Liverpool area on the 5th September.

The job is an IT role with possible visa sponsorship.

I will appreciate if anyone can have me on a night stay preceding the day or some alternatives to use as Airbnb will be quite expensive.

Thank you.

If you no get help here, try student accommodation on Booking dot com or try travel lodge,

wonlasewonimi:
They are probably still typing your letter.

Haa, lol 😂

Maybe the issuer is on holiday, na so everyone Dey take holiday.

I don’t even know where to go self than gym or sit home and eat rice&beans.

Egbon Lexus is probably away for his Dubai holiday trip.

https://www.dwpjobs-eorecruitment-microsite.co.uk/vacancies


Make guys load this website with applications.

The salary there is eligible for sponsorship, have a living testimony friend.

justwise:
[/b]

You really want that to be one-off expereince? lol

Lol,


Social proof and contrast principle at play 😊

Santa2:
I tried to dig for more info, but that was all I could get.Based on my previous knowledge, the steps you enumerated above is the process I knowtoo, so I was very surprised to find out out that insurance could pay directly to you. I actually pasted the scenario to find out if anyone can confirm or corroborate it. She said lots of people she knows have gotten claim like that. Took over two months for investigation though.

It might not be legal as you are not given the full info

Santa2:
Bros..Naa only one life you get. Chop life,buy that car . By the way was discussing with someone that got her ran into. she opted to repair her car herself, The insurance paid it to her(15k). she eventually fixed it for about 6k.

Haa, Oga Santa,

I don’t like debt that involves additional expenses as a result of instalment,

Was seeing cars at 5-10k range and taking up finance with instalment will accrue additional thousands of pounds over the years, prefer one off, or insatllment without interest even if it’s for 3 months I don’t mind.

I paid my insurance one off because I noticed that additional 220£ will be added if paid in 12 instalment,

lavida001:
Go for it mate. It’s a credit society

Haa, although my mind still Dey tell me that they are planning to stop petrol and diesel car by 2030 and this is 2023, and car finance will take like 4-6years average.

And Tesla is on the high side

tshoboy:
Was it a KIA Niro Hybrid 😊

Kia ceed, petrol manual

AgentXxx:
Can you help with the name of the one you tried that requires the property to be in England? Thanks.

Haa, it’s been long can’t remember sincerely just just filling the form on their website, sincerely can’t remember

Na wa oh, I just pray Nigeria could function properly even half efficiently as Uk.

After my car (2009) got into accident as a result of at-fault driver, I was really stressed and worried about commuting, the following day the insurance brought me a 2022 made Kia as a courtesy car to use pending investigation, although i was told that I will given a courtesy car but the timing and the car type is far above my expectations, because it was delivered quickly.

Was driving on the motorway this morning just to see some few functionalities of the car, I put on the cruise mode and lane assist mode, the car was just driving me without controlling the steering even at corners/curves.

Really feel different.

I just hope this is not a temptation to go collect car for Arnold Clark like this, as most of my friends have been doing.😂🤣😂🤣

Estroller:
There are specialist mortgages like islamic mortgage, speak to a mortgage advisor. Link below lists some providers.

https://www.comparethemarket.com/mortgages/content/islamic-mortgages/

Thanks

kwakudtraveller:
Many alternatives yapa for Lawyers wey no wan practice with sweet pay sef.
- Risk Manager
- Compliance
- Public Policy
- Policy Analyst/Manager
- Government Affairs and Policy
- Public Relations
- Account Manager
- Lecturer (for schools that have courses within topics wey you get plenty knowledge on top)

midey93:
Thanks boss. I really appreciate this.

To add to this, just try learn the basics of excel if you don’t know it, it will really help.

One think I learnt is most of those employer will still train you on how to use the tools as most of them already have a set processes and guidance to follow.