₦airaland Forum

Hi all, please advise best way forward:

A lady changed her Nigerian passport from maiden to husbands surname.

Now she wishes to travel to Nigeria within a few days.

Brp is in her maiden name.

BRP replacement takes 3 to 8 weeks.

Can she travel out of UK with the following :
Old/new passports
BRP with maiden name
Marriage certificate, newspaper clippings of change of name etc.?

Any risk with the above approach?

New Naija passport just came, so no time to apply for BRP replacement since.

Please advise. Thanks guys 🙏🏾

LaaJiblik:
Is there any experienced Project Manager or a highly experienced Project Support Officer here, please?

The candidate needs to be SECURITY CLEARED and has good demonstrable experience.

A recruiter friend/colleague of mine has a couple of vacancies to fill. The gig is a contract role, and pays ~£450 per day (INSIDE IR-35).

Please note that the most important ‘qualification’ is SECURITY CLEARANCE. Followed by good experience.

Hit me up if you are up for some contract gig.

What does it mean to be security cleared in the UK? Worked multiple jobs… no one has ever asked for that (yet)

That America no go ever see my brake light oo

Queenessy:
Hello everyone, please I need your advise as this is my first time moving into an apartment that's not bills included.

Is EDF a good and affordable energy supplier?

Which is better... EDF or Octopus or OVo?

Pay as you go meter or postpaid meter?

Thank you.

Octopus

flokii:
Multinationals that have made enough money exploiting Africa are the ones leaving.. just like P&ID, most of them don't mean well for black people.
With that 13 million the poster wasted, having nothing tangible to show for it.. he can set up multiple streams of income in food business, fish farming, poultry, cassava farming etc. and he'll make good money.
Most industries are buying cassava and other cash crops like wheat at good price for use in their industrial processes.

Ok now, he paid 13 million just to enter UK.. no job, no investment to bring returns, nothing.
In the end he'll likely get offer to be cleaning shlt of sick Oyibo parents.. Na life be that one?

I’m not saying the OP made right decision to japa, I’m saying you’re equally wrong if you don’t know that money will be wasted in todays Nigeria. But okay, use your own 13m and invest in Nigeria, I wish you luck!

flokii:
That 13 million he spent to Japa to UK would have set up something tangible in Nigeria which if managed properly can grow in a space of 5-10 years into multi-million naira investment.

We have agro processing bisinesses begging for investments yet our youths keep rushing to pay UK government and their universities millions over certificate they might end up not using.. what really is wrong with Nigerians?.

Your advice is wrong as well. You don't appreciate the economic realities in Naija today. Even multinationals are leaving. So that 13million will be wasted by setting up buisness in naija as well

Ticha:
Yes and No. Once children become involved, whether you're married or not makes absolutely no difference as the needs of the child will always come first.

Secondly, there's something called common law marriage (it's just a social term/slang) but it's when people live together and are not married. If I recall correctly, living together for 2 years or more, gives certain rights akin to being married. The longer you live together, the more those rights become entrenched.

If you live together as partners and intermingle your lives, i.e. get a joint mortgage, joint accounts, have kids etc then for all intents and purposes, you'll be treated as a married unit from a financial perspective. To avoid all of these blurred lines, you must have a contracting out agreement from the start so something similar to pre-nup or you keep your funds and your lives separate. It's why single mothers will claim living alone for benefit reasons as once a partner moves in, his income is taken as family income even when the children are not his!

The longer the relationship lasts as a joint couple aka partners living together, the more rights you have. My friends have just separated after being together for 23 years (unmarried with an older teen son). Splitting the assets still started at 50/50. Son opted to stay with the dad as the mum is moving back home so the assets have been split 60/40 in favour of dad. They've sold the family home and had to negotiate to keep their pensions.

So not getting married is not the get out of jail card people think it is. For a lot of my white friends and this spans all countries I've lived in - they just don't see marriage as proof of commitment anymore and don't see the need for it. Especially where there are kids and a mortgage. You can walk away from a marriage, you can't walk away from child support or mortgage payments or joint debts. So I agree with them - any of those 3 things are a greater proof of commitment than marriage vows.

The biggest advantage to not being married is that if you die, partner has to take your estate to court to get something out of it if you have not co-mingled your lives and finances. It does also means you can't make decisions on behalf of the other person without a prior PoA so if for any reason you need urgent hospital care and can't consent, they can't consent for you as a married partner will be able to do.

Plus at the end of the day, the lawyers will always walk away with more than you ever think you can hold or protect. So either shine ya eyes and jump in with both feet, or close your eyes and dip one toe in and stay on the side-lines. The law is blind and an ass. It starts from a position of fairness to everyone.

Thanks for this. Exactly the answer I was looking for. Love your knowledgeable takes on issues…. Unlike others 👍🏾

What’s wrong with this country? Why do we have to pay ourselves for Christmas Party? A whole £40/ person. This is insane. Omo I miss Naija for this one. We Dey even hire music artist come, invite spouses sef, free shayo on top. Mehn British people stingy oo!

jedisco:
Others have answered but to add, even your pension earned after marriage is not spared. Na why before you marry, u look well. Also, u have the advantage of being a dual citizen.



Amen and Amen.
'Its not my portion' mentality. No be so?
Well the UK divorce rate sits between 40- 50% with some skew. So statistically, its either you get divorced or others do. What would help is understanding the reasons marriages end in divorce and trying to mitigate against those and the larger impact of divorce if it sadly happens. Burying ones head in sand no be the solution.

100% agree.

Is that why oyibos do “partners” instead? Does it offer them any protection different from married folk? In terms of house and pensions etc.

Adolfnigeria:
The likes on this post is stupid.

How many Nigerians can afford good medical care ? Not more than 10% of the population.

cases of fake doctors giving people medical care ? too many too count.

Accident happen to person in the UK. Ambulance go carry am , free of charge.

Dem stab person, ambulance go carry am for UK, doctors no go reject am, dem go treat person.

NHS go cover am.

Your post is actually stupid, and so are the people are liked and shared it. No deep thinking.

What of A&E waiting times? I’ve been there before and was asked to wait 6hrs before a wound could be dressed. Incredible! Waiting 6 hours in hospital reception, God forbid bad thing!

koonbey:
Lol how is it automatically a money mule situation that someone abroad wants to buy property in the UK?

it's not that unusual. Specialist lenders offer this, although it's usually at the level of HNIs financing high-end properties.

Obviously the lender will run stricter AML/CFT checks but if the money is clean fundamentally the mortgage is still a low risk transaction for the lender given the house is the security.

Any tips on where to buy? Or go with flats or house? So many developers in Manchester doing luxury flats etc. or looking for a small house somewhere (freehold). Thanks

bigtt76:
Why are you pushing this sef? It all has the potentials of landing both the facilitator and investor in the AML murky waters ....don't be a money mule!!

I don’t get. Can’t people with legitimate means of livelihood (e.g working in oil & gas) buy property abroad. I know people who have bought properties in SA, Dubai, USA but to name a few. So because of AML murky waters someone that has income/network in Naira can’t diversify their portfolio. Let’s be open-minded please. If you don’t have the answer, no problem. I’m seeking experience people that have gone through the route legitimately. In fact, all I’m asking for is choice location or strategy for the property market in this country. Thanks and God bless

Ticha:
No chance of a mortgage - not from any mainstream lender or other registered financial lenders anyway. Not even with a 50% deposit. The chances of meeting AML requirements is almost zero as we have no acceptable credit rating authority/ facility/system in Nigeria.

You’re right, but I have it on good authority Access Bank UK supports this.

What’s the strategy in finding the right investment? Is it just going on Zoopla and co.?

Or targeting big/growing cities? Budget is around £300 to 400K. Thanks

Ancestors,

Someone in Nigeria is trying to buy property in UK. They’re willing to pay the >25% deposit for a mortgage. Target is to preserve capital, gain equity, get good ROI from a rentals etc. Strategic location to ensure long term value. House or flat. What’s the best approach? Any advise. Thank you in advance.

BouharryArtikou:
If I may ask.
Your route was?
Nigeria Licence - (Driving Test) - Full UK Licence?

You never applied for, and obtained a UK provisional licence?

Everyone needs a UK provisional licence first before full.

koonbey:
1. Your UK license is not an additional license. Once you acquire that, it supercedes all other permission to drive.

Same way you can’t refuse to apply for a full license until later and keep driving on the provisional one because it allows you to drive still.

2. No. 1 aside, If you read your policy document you’ll see that there’s a requirement to disclose any material changes to your status as the policy holder or named driver, and also to the car. Your license status is a key part of that, and failing to disclose will be a basis on which they can refuse cover.

Just wanted to aver people's minds to the points I made sha.
Let everybody do their own research and risk assessment and proceed as they wish.

Fair enough, thanks for drawing my attention to this, wasn't aware. All this fine print stuff sha... hope they're not strict when push comes to shove.

kode12:
You're offering a bad advice and if anyone gets into an accident or is stopped by Police on that license, they will have issues to deal with. Your international licence and any insurance you have on it becomes invalid once you're granted a UK license. Try to verify the legality of your advice please, so you don't inadvertently put people in trouble.
https://alfiesdrivingschool.com/international-driving-license/

Didn't know this, thanks although I notice it's not from Govt website. That said, my driving instructors never had a problem with me driving with my 9ja licence to meet-up with them for mock tests, I guess they're weren't informed as well.

Lexusgs430:
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What about if this 9ja license had expired, when he needed make a claim ..........

I am not arguing o, just to stretch the conversation, for better understanding.........

I agree with you. In my case, my 9ja licence had expired (i.e I had used more than 12 months from date of arrival) so I had to update it. Still think it's silly for my insurance coy to say with my new status, I was at a higher risk hence the surcharge...it's counter-intuitive. Maybe I spoke to the wrong customer care agent. Oh well

koonbey:
That’s a terrible idea.

The moment you become a fully licensed driver your previous insurance becomes invalid which means first it’s a crime to continue driving, and if you have any accident your insurance company will not cover.

100 pounds is not worth that risk.

Sometimes the mind boggles at people's reasoning on here!

How is it a terrible idea? How does having an additional UK licence invalidate his original Nigerian/international licence? Isn't that what he has been using all this while and was the original basis for his existing insurance policy? Why should a new driving qualification remove his intrinsic status as an international driving of X years from Nigeria?

The main reason I informed my insurance company was because I expected a financial benefit, not a surcharge because I should have a reduced risk level compared to before I got the UK licence, but alas it didn't happen.

If you have GBP 100 to waste, no problem. Some of others have better things to do with the money even if it's in excess rather than dashing the government!

If he has an accident/claim, all he has to do is present his old Nigerian licence and be mute about the new UK licence and his claims would still be valid / processed. C'est fini! I don't understand how that can constitute insurance fraud....never.

Hclinton:
Am so happy today, I passed my practical test on second attempt though with just three minor faults.
Please I want to ask, do I need to inform my insurance of my new license status or do I still stick to my former status which was International license. If yes, please why?

Congrats on passing your test.

Don't inform your insurance company!!!

Like you I passed in August and went ahead to inform them (hastings direct), and was charged a one off fee of almost GBP 100.

I asked why and the agent said because I was a 'new' UK driver, so my risk was higher. Didn't make sense but I had to follow-through because I had updated my information. So my advise: stay silent, wait till end of your current tenure and go back on the market for a cheaper deal.

my Intl drivers licence also expired i.e I was using it for more than 12months which is also risky, so had to update my details at all costs.

Khaytunechi:
Would appreciate directions as per where to look

Openrent
Zoopla
Right Move
Gumtree
Facebook (Beware of scammers)
Sparerooms (tyically for one room in a house or HMO)
Word of mouth from your local community e.g church, mosque or place of work

This man is worse than Emefiele oooo. The other day he said FX unification is not his goal. Today, he is saying what should he do about black market rate? I remember pre-Buhari admin, the official FX was stable and difference with black market was less than 3%.

Solumtoya:
You can use it to pay for flights, hotels, car hire, etc through your Executive Club Account, Participating Merchants website and so many other ways

But the real point to note here is that I think 956 points is very very small. Using a referral link to join alone gives you about 4,000 and each Pound you spend gives you a point. So you may need to accumulate some more. I, for instance, have well over 100,000 points.

The value of the points are really tiny (maybe half pence each) so you need a lot for something significant.

I don't know if it's a special offer but if you use my code, you get 8,000 points:

https://americanexpress.com/en-gb/referral/jEDIDASmvK?XL=MNMNS

I don't really earn anything from referrals since February cos I already maxed out the 90,000 maximum per year one can earn

Thanks I have an AMEX card already, and I've been using for over 6 months, but no successful referrals yet, only what I spend monthly.

For the Executive Club Account, do I have to create a new account or just log on with my AMEX details?

And for anyone feeling charitable, help your boy gain points by using my referral link (since Oga Solumtoya don max out lol):

https://americanexpress.com/en-gb/referral/uGOCHOCR7G?XLINK=MYCP

Solumtoya:
@ ProfJYK

I have indeed gotten goodies from AMEX Card. I keep saving offers I may need. I use it for shopping, groceries, etc.

I still think the biggest source of points are referrals from Nairaland though. The post I made about how to use Credit Cards without paying interest and the benefits was quite popular. So I added my link later.

I seem to have been upgraded or it's general: My referrals now get 8,000 points while I get 6,000 so feel free to sign up, you might just get a free flight soon:

https://americanexpress.com/en-gb/referral/jEDIDASmvK?XL=MNMNS

Hi Elders, I saw this post and decided to try my luck, please how do I use my British Airways/Avios points? I have 342 / 956 points from the mobile app. Every time I click on Book Travel or Hotels link, it doesn't work. Same thing on the website? Also can I use the points (956) for return flight to Naija? Thank you

Oggg:
even if your passport is valid for less than a year, if you qualify for the USA visa you will be given the 5 yrs on the old passport. There’s absolutely no reason to be renewing if this is the reason.

And what of Canada that pegs it to whatever is left on your passport? Besides it's clumsy carrying multiple passports (old + new)

bigtt76:
Nothing really cos the issuance is not instant. If your booklet pages are exhausted, it makes sense to renew now. Make sure you apply to keep your existing booklet though if you need it for identififcation purpose else you would be required to submit it.

Thanks. How do I apply to keep it? Is it online as well? Or when I go for my appointment.

PS - I am renewing passport now because I want to apply for USA visit which is valid for 5yrs.

Wow.....Part 3 finally!!!!

Make I port my question here before e go loss..

Elders, please advise on the below. Is 6months to expiry date rule strict?

My passport expires April 2024.

I just paid and booked passport appointment at Nigeria House London for July 2023.

What happens to the 6 month to expiry before renewal rule?

Will I be turned back and refunded? Or everything go as normal?

Thanks in advance

Hi All,

My passport expires April 2024.

I just paid and booked passport appointment at Nigeria House London for July 2023.

What happens to the 6 month to expiry before renewal rule?

Will I be turned back and refunded? Or everything go as normal?

Thanks in advance

Fair point. I also lived in a quiet city in Nigeria and hated, part of the reason I decided to relocate to a big and bubbly city in the UK. Thank God now settled.

Solumtoya:
You guys make a good point actually.

BUT, you forget some of us actually love the bubbly life and cultural diversity of working in London. Even in Lagos, I worked in 4 different Companies and they were all in Victoria Island and all through, lived in Lekki. People always lectured me to move to the Mainland but I told them "not everyone will stay on the Mainland". It's a choice, an expensive one that comes with pros and cons but it's a choice regardless.

Working in London is just what some of us want. My former job was Remote and I hated it. I prefer Hybrid where I can be colocated with teammates and collaborate physically. I love the "beauty" of working out of the 12th floor of a high-rise building in Canary Wharf, etc. Maybe when I get older, I will consider working in quieter Cities. I want my Youthful working years here for now.

And no, "working in London isn't choking my growth", you are terribly wrong on that. No, you can't say "I'm not helping myself". And yes, I can get on the property ladder as easily as (or easier than) my mates in the North. Lots of assumptions.

Now you also assumed we wanna LIVE in London. Nope, not me. UK is different from Nigeria, US, Canada in its beautiful transport which means I can live as far as Northampton in a house of 200k or rent of £800 and get to London in 1 hour for work if I need to. In fact, I can live in Wales and get to London with £8!

The conversation is to get good Cities that are close enough and yet affordable enough for those of us who choose to work in London. I'm not sure how that means "my mind is not open" or "my wings are not spread"

Hi I'm looking to buy GBP 600 +/-
Who has pounds at good rate? Lemonade is too expensive.
Also how do people do transactions here? I'm in Birmingham in case it's face-to-face
Thank you