₦airaland Forum

Amarathripple0:
Good morning elders,

Please I would like to find out if this is discrimination or if I’m just overreacting. The gist is, I tried to order a laptop worth £800+ from John Lewis using the PayPal pay in 3 option. Mind you I’ve used this feature multiple times on other stores without issues. Anyway, John Lewis sent me an email saying the order has been cancelled because I failed security check. My friend thinks I should speak to a lawyer about it but I think that’s a bit intense. Should I just ignore and move on from this or should I report this as consumer discrimination. I’m confused.

Your transaction was most likely declined the first time due to an automated check that takes place when you apply for credit, which is what PayPal's 3 in 1 is, irrespective of whether the PayPal account is tied to a debit or a credit card. Thereafter, a human being probably took a look at the situation and decided to uphold that decision, and that's probably why the subsequent transactions were also declined.

Of course, the grounds for deciding to uphold the decision can be questioned (if na Mr. John Smith instead of Mazi Emeka Okoro, wouldn't you have given the transaction a second chance?), but how provable that could be is anyone's guess.

Obviously only someone who works in a fin services fraud department can speak to the generally used methods in such cases, but regarding the appropriateness of their looking at your LinkedIn profile, my opinion is that since it is public, there is nothing wrong done by accessing publicly available information. I look at LinkedIn profiles all the time, and even when it is not specifically a recruitment situation concerning an job seeker.

You could file a complaint of course, but I would think that the fraud department can use the automated Experian or whatever check it was as grounds to show it wasnt random discrimination. Proving discrimination is not easy, because you need empirical evidence that a different decision was taken in a similar situation involving someone of a different racial or socio-economic background.

Broomstick01:
Good morning good people. Pls I need your opinion to save cost. I came to uk for masters in January as a single guy. My fiancee is still in nigeria and will like to travel back home to tie the knot and bring her here. Considering the cost of psw for 2, is it rather better we make the process while I am still a student or when I have gotten my psw (hoping that we would have dodged the cost of her own psw) which will be around this time next year ?

I don't think you can bring in dependants on a post-study visa.

onibokun10:
hi friends. on feb 8th i bought a train ticket online for 75P and i was scheduled to use transpennie express for my journey. i got to the train station late and i missed transpennie express. i told the train station officials about it and they said i can wait for another train going to my destination, the next train came 30mins after and it was cross country train service. i boarded and while on train i was asked for my ticket , which i showed but has transpennie express on it and also i wasnt with my student discount card. today 6th april, they reached out to me offering an administrative reconciliation of 175P or they drag me to magistrate court. pls guys what can i do?

Pay the fine.
Move on from there.

1beat:
I'm presently studying in Uk i can't find job and i have spent all my money on accommodation of resent a friend suggested that I should seek for Asylum in Dublin, Ireland.

Some job requirements is issue ( experience & guarantor in Uk)
Combine studies and work together is another problem ( 4days in a week lectures )
weather condition in Scotland and mental health issue.

Please i need your advice , courage and what to do

And how did he advise you get to Ireland to claim asylum and on what basis?
The very fact that you are a student in the UK firmly rules that out.

Rubyventures:
The govt is thinking of cracking down on these greedy freeholders , watch out, there are some new laws coming out and Leasehold will be a scam of the past.

Really?
I'll be shocked if the Tories bring in such legislation, even Labour no try am during their time. Many of them are probably either freeholders or associated with them.
The vested interests in this country are just too powerful and entrenched for that.
The Duchy and the Crown Estate follow.

Viruses:
So it means all these buy house buy house I've been seeing is actually long term rents and one will eventually get to renew. If not that it is still cheaper to buy, I just lose interest like this.

As Rubyventures mentioned, you can buy a freehold property outright or you can buy a leasehold property and eventually buy its freehold from the omo niile who own it.

Remember that it's the same nonsense in Nigeria, except where you buy land that was originally acquired by the government and the government becomes your landlord (and omo niile still come and disturb residents of such properties anyway these days).

Viruses:
I've been seeing this "years of lease" on several comments here. What is the implication?

So if I buy a house for £250k for instance and the lease on it is 50 years. Does it mean after 50 years my house is no longer my own?

In theory.
Land tenure here is just like it is in Nigeria, we copied it from them.
The omo niile here are called freeholders. Mostly these are the descendants of the so-called aristocrats whose families ruled the country and were big landowners in the old days.

So the omo niile give you/developers a 99 year lease or whatever. You pay them rent, called ground rent, every year.
The longer your lease has left to run, the more "secure" banks are lending to you.
Owning flats in a building can be nightmarish under this arrangement.

mex551:
I already logged in with my Gateway I'd, but it will still say, to protect my identity , I need to choose 2 items from the list

What option do you get when you click on the "I do not have two of these items" option?

I don't remember ever having been asked this question and given those options when I went to log into my platform.
I think its an access code sent to my phone.

mex551:
Good morning My Ancestors on this street. Am trying to register on govt gateway as a sole trader. I got to this point and got confused . I do not have two of these . How do I proceed further? Do we have free consultants that can help me register this or must I be a citizen to register as a sole trader? Abi I am on a wrong website ?

You have to register for the Govt Gateway first. Use this link.
https://www.access.service.gov.uk/registration/email

Note that registering as a sole trader means signing up to pay tax under self-assessment.

After registering, you log in to the Govt Gateway and sign up for the self-assessment as a sole trader and all that.
You don't have to be a citizen, and you don't need someone to do it for you. However, depending on the amount and complexity of what you are going to file, you may need an accountant, and if you hire one, they can get the registration sorted for you as part of their fee.

Osoderi:
please i heard that age factors also affects buying house in the UK. Does age factor affects pls? like if someone is 45 -50, can the person buy a house?

Then someone that have a permanent job and been paid £1600 every month, and keep saving £1000 every month for two years to have £20,000 down payment, can that person be able to buy a house with that kind of salary? Must my salary be bigger than £1600?

Thank you for your response.

Age is a factor in the length of the mortgage you can get.
The number of working years you theoretically have left (leaving aside the fact that people can work beyond the retirement age if they choose and are able to) will determine what your lender will give you. So if you're nudging 50, you can realistically except nothing more than a 20 year mortgage, for instance, and some might offer less.

Secondly, your salary will determine how much a lender is willing to offer you based on affordability criteria, i.e. how much you can pay back based on how much you earn, joint family income, things like that. They have criteria they use to determine that (e.g. 4 times earnings, 5.5 times earnings, etc.).

With your annual salary of about 24k, and a 5 - 10% deposit, all other things excluded (do you have children, etc.), you'd probably qualify for a mortgage of about 130k/140k.

nicerichard05:
Pls house can a dependant register a company in the UK

Yes.
Even non-resident foreigners do that.

IamE:
good morning all.
I have been sleeping on Glassdoor and Indeed since I booked my flight for Manchester.
.
joining my wife as a dependent.
shez with a private hospital.
I am more of a junior front end developer
I have gotten so many Unfortunately mails when I applied as a developer so I hav to take a small switch.

Is customer care job a good start?

Is £20-25k ok?

Are there any key points to note.

Being a CEO would be a good start.
Regarding the pay, a lot of people live on less, let alone a two income household as yours is.

Poanan:
It was a rough joke. He should be able to know that jn the industry of comedy you dont say things directly to people present. Consider the crowd laughing. U aresaykng this cos you are a guy. Women dont like people laughing at them cos ot is very demeaning. Why will he tell her she will star in G.I 2? This is a lady we are talking about and not Buhari.

Nobody likes being laughed at, male or female.
The point is not what Chris Rock did, it is what Smith did in response which was both morally and criminally wrong.
He committed assault on Chris Rock (and if CR wants to be difficult he would press charges) and that's what the whole condemnation is about.

And regarding so-called female sensitivity, women are no more sensitive than men are, trust me on that one. It's the whole outdated narrative that paints the female gender as being more tender to justify sexism and suppressing them, and which right-thinking feminists oppose. Women are actually stronger than men from a mental standpoint, which is why they absorb stress better, handle life's wahala better and one reason why they live longer.

justwise:
Did you notice how other black celebrities were comforting him and not Chris? Did you notice that he received an award and standing ovations just after assaulting someone on live TV?

He did not even apologies to CR during his speech, only after hours of news coverage that he decided to apologise.

He laughed at that joke a first then turned around and noticed that his wife did not find it funny then lashed out.

Shame to those black celebrities comforting and supporting him after what he did.

They weren't comforting him, I think, as the blockhead himself later said, they were giving him advice.

The point, as you mentioned, is that he wasn't initially angry, he was laughing until he saw his wife bone, then he, as an actor, sussed out that he was supposed to be angry and not laughing at his wife in public, so he stupidly decided the best way to prevent his madam from finishing him that night and possibly filing for divorce was to do something to publicly show her that he really wasn't amused at the joke.

The even more stupid thing was that since he wasn't really angry, he could have used his brain and done what Kanye West did, go up on stage and say something, which is what CR was clearly expecting he was going to do when he came onstage.

Rubyventures:
His behaviour was disgraceful but he needs to be served with the appropraite punishment. We should not let our emotions rule our judgement.

Appropriate punishment is the award being taken away and him being ejected from the Academy.
No emotions involved.
Clear judgement.
I'll give you another example - there's something called a moral turpitude clause usually inserted in employment agreements, whereby if an employee does something deemed morally wrong, irrespective of their job performance and whether it was work - related, the employer can terminate their employment on those grounds. I'm aware of instances where that was applied.

So I think that the Academy should take away their (not his) Oscar from Smith. He doesn't deserve it, because he doesn't represent their stated values.

Rubyventures:
That's like killing a fly with a hammer. He can be fined but not stripped of his Oscar because he worked hard for it.

This fly deserves to be killed with a hammer in this instance.
He displayed behaviour that makes him unworthy of receiving an honour.
The Academy has specific ts and cs about members upholding its values and all that which he specifically violated by that act, so they would be fully justified in taking it away from him.

Think of the universities and their "being worthy in character and learning", you can pass all your exams and get expelled for fighting, for instance.

[quote author=chukusi post=111437123][/quote]He's most likely referring to his religion with regard to the interest thing.
Nothing to do with visa types.

justwise:
I think he should be arrested and his award taken away.

I agree - the Academy should withdraw the award.
Irrespective of the merits or otherwise of the joke about his wife's hair and how he felt about it, resorting to violence, and on the Academy's premises before the whole world to boot, is a no-no.

canadaishome:
Some things are out of line even for these so called comedians. It's like someone has cancer or a serious illness and he makes a joke out of it. That's insensitive. Jada suffers from alopecia and she has been very public about it

I'm losing my hair too and life goes on.
Alopecia is not a disability.

canadaishome:
I did
Chris was disrespectful
Some comedians go too far

That's what comedians are there for - to stretch boundaries.
But Smith is an ass, what's he trying to prove - so-called "love", by committing assault and battery in full view of the world and on a small chap.
If na Dave Chappelle or Hamish Buress for instance, Smith won't have slapped him, because those ones will attack him back.

dustydee:
During my time, it used to be 3yrs first and then additional 2 yrs extension. My employer paid for both applications but required me to sign a bond that I will refund if I left within a certain number of months. I had to pay my IHS during renewal. My spouse on the other hand had everything paid including IHS and even ILR by the employer. Now I think you can get up to 5years but if you leave, you will have to apply for a new visa and pay new fees but I think your IHS will still be valid. The new employer should ideally pay for it.

Such clauses are quite common.
They seem to be taking a new turn these days, see article below.

https://www.theguardian.com/society/2022/mar/27/trapped-and-destitute-how-foreign-nurses-uk-dreams-turned-sour

Adebayo82:
Good morning everyone,
I need more info and contribution towards the tier 4 visa switch to tier 2 or skilllled worker visa. When is likely for me to push for this? my master program is less than seven months to complete. Also, I read it on Ukvi website that tier 2 application must be submitted 2 to 3 month before tier 4 student visa expired.
Some professional job am applying for now, fine the employer were facisnating with my years of experience and the skill. But the my blocker is issue of 20hrs restrictions for BRP stuff. I have done many interviews but they keep on saying the role is for full time, and the menial work somebody is doing all around could not lifted one to the right path neither career advancement, is just to cater for bills and other miscellaneous. moreover, CoS is needed from employer if I want to apply for tier 2 visa even though am paying the application fees. please shed more light all the elder in the house who has climb the ladder before now.

Some employers have graduate schemes that take on fresh graduates at the end of their programs.
Those schemes usually open right at the beginning of the school year/following calendar year against the next year's summer period, i.e. if you started your masters in September 2021, there would have been available graduate schemes accepting applications around that time for employment commencing around August/September 2022.

I shouldn't think many if at all of these graduate schemes are still accepting applications (you could always check), but there is nothing really wrong with your scattershooting approach except that you may wear out your rejection tolerance buffers somewhat early.

DeeOneBangin:
Guys what's the danger of accepting a 3 year sponsorship offer? Even though the company says they will renew when due.

Why do you see any danger therein?
Even if a company offers you 5 years, it's still the same thing in terms of "security" - they could still withdraw their sponsorship at any time (job loss). One could argue that the longer the offer, the more valuable the company deems the new sponsee and the less likely they will be to terminate them, which may apply in theory, but lessens the insecurity of an employer-dependent visa not at all.

Bottom line: take it. Remember you can still switch jobs at any time and the fact that you have secured employment, and sponsored employment at that, usually makes you more attractive to other employers than otherwise, all other factors being equal.

dubaiprince:
Hello everyone,

Trust we are enjoying the sunshine. Sorry to take us back to the mortgage discussion. I am just curious to know what role the kind of bank you use play to help your mortgage case better. I would imagine the bank one uses may offer you the best deal around in such a situation (not all cases obviously).

I think it is a known fact that Barclays have a low risk appetite. I have been using them to receive salary for over a year and what I could get was just a £260 limit credit card to which I have applied for increased limits and they have repeatedly bounced despite salary increases. My colleagues get 3k with HSBC and 5k with Natwest with unbelievable interest rates upon account opening. Though I applied for BA Amex in February and got 10k.

So my question is which banks are most likely to give you the best deals whilst 'generous' with the mortgage amount when you begin to shop for it. make I know if time don reach to carry my banking relationship elsewhere now we are still saving for deposit.

You're not limited to taking out a mortgage with only Barclays because you bank there.
When the time comes and you feel you've got a deposit (with house prices being the way they are, its a moving target of sorts), find a mortgage broker. They're invaluable. Pay a fee if necessary.

akaprince:
Hello fam.

[b]Please, how can one get a very cheap car rental service in the UK that includes insurance, MOT and service? I just want to pay monthly rental while the car company takes care of the res[/b]t. Got NHS job that requires driving to the homes of patients.

Can't afford to buy a car as the trust requires I have a car to drive for the job on resumption day. And I don't qualify for car salary sacrifice scheme according to the trust.

Please, kindly help.

Thanks

You're talking about car leasing, basically.
You must be earning quite a lot from this your NHS job to be floating ideas in that sphere.
It's a viable but expensive alternative to buying a cheap set of wheels and flogging it for a couple of years in your case.

Emmyk:
I'm also at this stage . Got in in January. Registered and make reports of my house rent on Credditladder, did a sim contract with 3 via direct debit, I am also on the electoral register, but no luck getting a credit card yet to build my credit history.

I got 60% approval rate for Lloyds credit card on moneysavingexpert.com, but at the end, I was told I didn't qualify for the card.

Pay some attention to the bolded.

Amarathripple0:
Is 28.9% APR any good? Because that’s what Barclays is offering me. Thanks

Just make sure you pay off your balance each month so you never actually end up paying any interest, at any rate.
Set up a direct debit to pay off full balance each month, and then watch how you use the card so you never run up charges exceeding the money already in or absolutely certain to enter your account.

That's the key to using credit cards with high-ish APRs.

KOVIC19COVID20:
A friend of mine told me her Landlord wanted to sell the 3 bed flat where they were renting.
It was put up for sale.
My friend ( a tier 4 student) and her husband bought the flat on mortgage.
The asking price was £65,000.
The landlord yanked off 5,000
And sold it to them at £60,000
_________________________________________________
This was somewhere in Scotland.
I will not mention the exact name of the place to protect their identity.
_________________________________________________
Bottom Line: Location Matters

Goes without saying.
Of course there are places in this country where one can buy property at good prices.
The question as always remains - are those places where one would want to live and work.
Does one want to buy a massive 4 bed in Birnin Kebbi GRA while you're still in your working years or do you want to live in Port Harcourt, Abuja or the dreaded Lagos or any city that will offer better employment/integration opportunities. There's always a trade off to be made.

Covid has pushed remote working somewhat, which is the only good thing about the pandemic.

fopishow:
Well Goodluck to everyone. Location matters though - London deposit of 600k properties at 10% is 60K while Manchester deposit at 150K property at 10% is 15K.

That's not a proper comparison between prices in London and Manchester.
600k in London will get you a 3 bed detached.
A comparable property in Manchester would be about 400 - 450k.

profemebee:
hi,

i didn't know NI had a card.. all i got was a letter

The only card i have is my BRP

NI comes in letter form only, no card (anymore).
They phased out the NI card thing in 2010 or so.

wonlasewonimi:
This is one of the reasons I use curve card.

Curve's a really convenient concept.

justwise:
[/b]

As long as it was a successful payment the seller will have access to that money immediately even before the item is marked as dispatched.

I think Lexus is right regarding the delayed release of funds to seller.