₦airaland Forum

nwauwa:
Also can the lady travel to UK with a visit visa( she has a valid one) and take him to a family court while on tourist visa, is that allowed for visitors in UK?

No idea.
Again, she can consult a lawyer in the UK to find that out.

nwauwa:
What are the options of a single mum resident and living in Nigeria while the baby daddy is resident and citizen of UK and have refused to support the child since birth? He’s employed and takes care of his other children( the reason the Nigerian lady broke up with him was that she found out abt the other children mid way into her pregnancy)
He have not called or sent any kobo since the birth of his son who is 5 yrs now. The lady didn’t stop him or change address or numbers , she is willing for them to co-parent in peace since day 1. His family knows about the lady and the son but have not also been of any financial help to the single mother. They only want to see the son which she tries her best to do video calls, chats often with them cuz they live in different cities

You need a lawyer to advise you about how best to go about seeking child maintenance for your child in this cross-border issue.

Best to start with obtaining legal advice in Nigeria as to what your options are. In theory, you can get a court order for child maintenance in Nigeria, which could be enforced by garnishee (the court orders the deduction of the employee's pay at source, comes through HR), and I am aware that there was some sort of process for trying to enforce that against an expat who had left (long complex process, not sure it succeeded), but speak to a lawyer in Nigeria first.

noblealuu:
PCR is sweeting me, lol. All thanks to Covid. Is Scotland a good place to start? I got admission in Glasgow Caledonian Uni to study Medical Bioscience (MSc). Thank you for the heads up �

Why shouldn't it be?
Same medicine is practised there.

DeeOneBangin:
Baba which license would you advice. Do I go for manual or automatic? I just passed the theory test and I wanna start taking driving lessons.

Back in naija I started driving with manual, but in the last 8 years all my cars have been automatic.

I have no issues driving anyone but I just need suggestions.

Manual.
With a manual license you can drive both auto and manual, while with an auto license you are limited to just autos, even though as EVs come on stream that's not as limiting as it once was.
Regarding work purposes, fleet cars usually tend to be manuals.

Chreze:
I no go lie, I no know ooo. I just wan stick to these banks wey de call themself high street and all and all. But I FEEL like if they were so high, they won’t accommodate so many things. Maybe they are not as high as others even tho they are all banks. I just think that way, I may be very wrong.

All about demographics and perception.
The challenger banks are more popular with the younger/savvy generation, while the elderly generation, the ones who like to write long letters and carry passbooks and so forth, have no interest in banking by app without a branch manager to go and rake at from time to time. However, the challenger banks don't offer credit facilities (they may start to do so at some point, Starling Bank just bought up a mortgage provider and Chase says it has plans to offer full banking services), so it does make sense to open accounts with one or more established banks with an eye to the future.

For the rest, they're all the same, your money is as safe in Monzo as it is in Barclays, all banks have the same 85k deposit insurance guarantee, and with the rate at which the high street banks are closing branches these days, they might end up as digital as Starling or Monzo one day.

canadaishome:
It's of a personal nature

I meant, leave an email address here.

canadaishome:
TheGuyFromHR.



Bros
Good day
I sent you an email. Please kindly respond

I saw that, but I haven't got access to the email address associated with this account, password long forgotten.
You can leave one here if you like and I'll respond.

Chreze:
I no even care who get am, na weda them go help person build score. Cos I used Monzo and revolut for so many things that I believe would have helped build score, but I didn’t care then cos this other bank won’t give half of the flexibility and understanding both Monzo and revolut offered.

But now wey person don settle na to do the right things for other benefit, so na why I de ask.

There are a lot of misconceptions about this credit concept.
Firstly, no matter how many transactions you run from your bank account, including the much-talked about direct debit, it has not effect on your credit file. The only entity that sees how you manage your money in your bank account is your bank itself, the credit reference agencies are not given that information, so even if you pay all your bills and rent promptly and never owe a penny or have a million pounds in your account, it makes no difference to your credit file/so-called credit score. However, you could look into something called Credit Ladder which aims to correct the anomaly of people who are ordinarily good with managing their money having difficulty with accessing credit. I never used it so I can't speak to its utility, I went to my bank to get my first CC.

What the CRAs are told is information about how you handle credit facilities given to you, and that is what shows on your credit file. So to manage credit and build a healthy credit file, you have to go and take out credit somewhere first.

The reason why it is easier to get a credit card from the bank you use is because if you can get someone in the bank to look at your account, they can make a decision to approve you for a CC, like it used to be done in the old days when human beings actually ruled the world. These days computers do that work, and they can bounce anyone based on the pre-set criteria.

The poster mentioned BOS as a bank that he walked into and saw someone to speak to. Quite a few banks have shut down many branches and refer you to the app or online to make applications for these things.

Marola:
I love this
But how does one go about getting a tier 2 work visa(sponsorship) if one is doing a blue collar job?.
Ideas will be highly appreciated.

The answer is in the post you quoted: "get whatever CSCS card or certification you need...".

Adewumi2888:
Hello Gurus in the house. Thank you all for your wonderful contributions to this group and your contributions have been so helpful. But I need clarification for a dilemma I am in.
So I got in to UK November and got a band 4 position in NHS here in London that include inner London high wages. Their checks were concluded just last week, received unconditional offer and I have giving my word through email to the HR about my starting date. She replied that I have been schedule for an induction and appointment contract will be sent by next week. However, yesterday I got a better offer in Band 5 in an interview I did early this month with higher pay and nearer to my house....
But I already gave my words to the HR of the formal offer work, with all arrangement for inductions now in place.

What can I do ?

Others have given you the answer.
Tie down the second job firmly, then tell the first company that you've gotten a better offer and are withdrawing.
Absolutely nothing wrong with that.

Amazoner01:
Capiital one declined the credit card application. Is it because i haven’t stayed in uk for a long time.

Yes.
Stop applying.
Give it some time.

Khemhyte:
Thank you for the clarification, really helpful. Studied Geology, can the M.Sc be done with it?
Thank you once again.

That will be for you to find out.
Load up your internet data, hit the internet and start browsing universities and see those who take non-medical related courses and find out if yours can fit, and any other requirements.

Osoderi:
I am not happy here, after putting in all my best in job interview for a PA role in one of the big four accounting firm, i was successful in the first stage I did in Nigeria, the final interview was in uk , I was asked the same questions which I knew I did well, just for me to receive a regret mail that I was unsuccessful, I keep asking my self what went wrong, is it because I don't have UK experience? I put in my best and have years of experience in the role. What went wrong ( feeling so sad). I need advice please.

What can I do to get adminstrative jobs in the UK, honestly I have been applying. I know the job that I can easily get is care work, but I don't really like it. Please I need advice to stand my feet in this UK what best to start doing.
Just need advice to be strong in this UK.
Please if there is anybody living in Northampton kindly let me know, I am really feeling alone here.

Regarding the bolded, you may never know. If they do provide feedback, it may or may not indicate why they really didn't want you for the job and might most likely cover generic stuff which may or may not be made up ("candidate appeared unsure of themselves", "candidate did not display an in-depth knowledge of the job role", etc., etc.) It's all subjective anyway, so don't stress too much about it.

Regarding the italicised, you keep trying. Try not to get discouraged. It is very easy to get discouraged in face of the deluge of rejections the average dark-skinned jobseeker receives, but you can only allow yourself brief moments of feeling sad, then pick up your pen (abi your internet enabled device) and continue the applications process. As someone else has pointed out and as common sense dictates, you may have to content yourself with something lower level to get a foot on the ladder and start earning to pay those ever-increasing Boris bills while you keep on going. Make your peace with that, and quickly too, even if its the unwanted care home job, call centre or whatever, because the greatest threat to anyone's successful living here is unmanaged expectations.

And a PA position is not one to kill oneself about. It's a very subjective, personal preference position. Put simply, the paler your skin, the more likely you are to be deemed suitable. Digest that, and move on.

Aprokodaughter:
The way Nigerians turn to YouTube bloggers when they arrive uk is really alarming hope they are paying them.

Everybody wan share informatian

Nigerians and the fear of doing their own thinking - always believing that someone who has bothered to prepare a presentation or a "write-up" no matter how inaccurate the information, must know something they don't.

Lexusgs430:
Inflation would come and go .........

Pandemic would be managed..........

The war would never happen, it's simply posturing and solidarity 4eva ..........

The bear and bull, would continually engage in their usual tugofwar.........

Na to buy Centrica shares, las las.
Putin is just pushing up the price of gas and pumping as much as he can.

Myati:
Am I allowed to cry

This is march 2020 all over again.
@Lexusgs430

Putin na another craze man.
I've stopped checking the markets and my ISA, might as well just hunker down for the long term.
On the other hand, for those which strong minds, this is the time to buy...

daholiest:
Seeking advice: I am a Graduate of MBA, what kind of jobs can I apply to, that can sponsor me on a work visa.
Please advice me

Everything you can think of, including the newly introduced care worker visa.

Lexusgs430:
You are forgetting the sea cruises and holidays, one is not engaging in now + dog ownership etc etc.........

Would surely be done after retirement.......

I was referring to non-discretionary expenditure

dupyshoo:
Please how is SIPP better than maxing pension contributions through your employer as employers match your contribution or even pay higher percentage? You also get the 20% as well.
Is it the flexibility that it gives?

We were discussing the features of an SIPP, pros and cons. My opinion is that the NHS public pension and defined benefits schemes are the best one can get in the UK, and if I had a public sector pension, together with the proportional state pension, I wouldn't bother with a private pension. I would prefer to factor in equity release or downsizing from a home in old age if one needed income in old age beyond the pension income available to one + one's savings. SIPPs and other private pensions work best for the self-employed/those who have additional self-employed income to play with/dispose of.

In the general order of things, i.e. where one only has the number of children one can afford and one has them early enough in life so you're not training children in your 60s or when you are at the end of your working life, and one falls within the general UK life expectancy range, is not chasing fresh young 20-something year old girls or boys or buying midlife crisis sports cars, etc., then the greatest expense one will have in old age would likely be funding their eldercare, which, despite Boris' generous promise to Tory voters, will most likely ultimately end up down the line in requiring the sale of their homes for the average person.

MichaelUde:
The fiscal drag thing they're talking about, abi?

Something along those lines.
Fiscal drag is when income increases usually due to inflation (c.f. all the salary increases the unions are getting these days) and that takes people into higher tax bands because the tax bands haven't been changed to take account of inflation.

No mind that Dishy Rishi.

Lexusgs430:
I am not a financial adviser......


But after reading your response, I had to Google it.......

Yes, you can have more than one SIPP account, but if each provider charges £9.99 pcm, that's a multiple of £9.99's.........

Some people have money they want to get rid of so they dont enter a higher tax band by force and are happy to push it into a pension and pay the fees in the hope that the accrued yields covers that.

MichaelUde:
Thank you for this, OgaHR.
As a matter of fact, I don dey look all this investment and pension stuff with a sharper eye recently, I changed jobs and my new employer just re-enrolled me into the pension thing and I was wondering about the one I bin get with my former company and that was when the HR guy told me it would still be there, or I could transfer it, that person fit get plenty pensions if you move around jobs. That was when I started looking at the whole personal pension waka.

Yes, you can combine pensions.
So if you move around from job to job and get a new auto-enrolment pension plan each time, you can combine them all into one. It saves you money on fees because each plan charges a fee.

Estroller:
Isn't the rebate per contribution? You won't get the rebate by just opening the SIPP you will only get it when you contribute into it. So I think having multiple accounts is possible considering different platforms have different offerings, e. g no individual stocks on vanguard and there is on say freetrade, so if I want individual stocks in my SIPP I will open one where I can get that, fund it and get the rebate for that contribution.

NB: I've never tried this just thinking it through.

You're correct, the relief is per contribution.
Each time one pays into a pension, even if its 10 pounds, HMRC tops up the 20%.
And one can have more than one pension.

ukay2:
Please I need more explanations with figures in this SIPP contributions in relation to NHS pension scheme. I lready have LISA, Sock and Shares ISA accounts.

I saw the SIPP pension with freetrade app and I assumed l don't need it as I am already in NHS pension scheme.


Thanks.

Basically, when you receive your salary in your bank account, your employer has already deducted the pension contribution (along with tax, NI, etc.) before you get it. So you can decide to invest money from your salary into another pension if you like. You can have any number of pensions, the government encourages saving for old age, which is the rationale behind the favourable tax treatment.

The NHS pension scheme, as I earlier pointed out, is a defined benefit scheme, meaning that you know how much you will get out of it when you start drawing it, and the government might adjust for inflation as well.

Private pensions (SIPP means self-invested personal pension), on the other hand, are called defined contribution pensions, which are basically savings accounts with investment aspects and tax-friendly treatment. You put in money, and it is invested in stocks and shares, and when you decide to retire (or are allowed to start drawing from it, at age 55 now in the UK, changing to age 57 in a few years time), you can only get out what you have put in plus any income accrued from the investments.

So you have to be careful with an SIPP and note that it is possible that one might eventually get out less than what you put in. On the other hand, your NHS pension is government-backed - the UK government guarantees you'll get your [specific amount of] money based on your final salary when the time comes.

Conversely, stocks and shares are the best hedge against inflation, which eats up any money you just leave in a bank account.

Generally, if you aren't up to following the stock market and investing, you could use one of the robo-investing schemes, such as Nutmeg where they do the selection of investments for you, take a fee and pay you the income on your investment.

Lastly, remember that you will also get the state pension once you've paid NI for 10 years or more, so at least the 170 quid a week after the age of 67, 70, (whatever they will increase it to) is something.

ukay2:
What happens to NHS pension scheme and Stock and Shares ISA account and funds? Any advantage of adding SIPP to the already 2 accounts?

You save more for the future, basically. Assuming your investments pay off, of course.
And you get your tax relief/top-up on the SIPP contributions, in addition to the relief at source on your workplace pension contributions.
If one has the NHS defined benefit scheme, that's as gold plated as it gets; [hopefully] the UK government will not go the way of the Nigerian government in relation to pensions.

Super1759:
Hi guys, I need a quick response or your opinion.

Migrating to UK or Canada, which is best for[b] an average Nigerian[/b] moving with family in terms or way of life, making money.

Thanks

No such thing as an average Nigerian.
Nigerians are as varied as the wahala they can generate.

tolajay:
Morning house,

Is it advisable to come to the UK with £100 notes or smaller denominations?

If someone's offering you '£100 notes', that's fraud.

arhyur:
Hi everyone, please could anyone with dependant who have applied for the graduate visa help me with this? If applying with your dependant, how is the IHS Calculated? Since you don’t have a new visa expiry date? What I mean is, my partner isn’t getting the correct IHS fee, for example my own visa is expiring beginning of feb and once he input in that date on his application, the IHS fee calculated for him was £312.
How can this be solved?
Thanks

Pay the amount it shows you and proceed.
You'll be contacted later to pay the balance.

Captaincool1:
Please how does one get a Netherlands visa from the UK using a Nigerian passport. Am going there as a tourist. I work in the UK.

Others have mentioned travel insurance .
It's separate from the 30,000 euro cover Schengen travel insurance that most Schengen countries specifically require from visa applicants which you have to submit at the time of making the visa application, so look into that.

Secondly, you can get a GHIC which is basically a card which allows you to use your NHS cover in EU countries to a certain extent, i.e. a UK resident travelling in the EU does not have to pay for any emergency medical treatment in EU countries which is ordinarily free at the point of use for their own residents.

fatima04:
The waka and not getting paid for it. You leave house for 14hrs get paid for 10hrs and not like the hourly rate is good. A lot do not have this information but it could still be a better opportunity for people coming in directly from Nigeria.

Exactly.
However, last year, the unions won a court case, so now all domiciliary care employees are entitled to claim travel time as paid time, so anyone wanting to enter or who's already in that field should know that they have this right.

rollykotex:
Yes I have a dryer.

Remember dryers use a lot of leccy.
Make sure you use only with full loads.

You can get portable DHDs (dehumidifiers) for about 40 quid for a 500 ml version. Pro Breeze is a good model.
One is OK for each UK-standard-sized room.

LagosismyHome:
We many when they find this ...lol. sadly it been turned to serious black market runs. So many of the private sponsors are quietly asking for money. Big money self ... when really there a shortage of labour and should be the one begging you to work. Ms Patel biko sort it

Abeg when you see let me know . I am looking for, my village is plenty

This has always been the case.
Sometimes they bring people in and dont pay them the official salary minimum they're supposed to pay (I hear some ask you to kick back a certain amount every month, etc.) and those ones can't leave because they need their papers.