₦airaland Forum

Jcole123:
Hi guys,

Ilyods bank offered me car financing with two options Higher purchase and PCP. are there any downsides to using the higher purchase offer? I didn't qualify for a personal loan.

I can't tell you which option to go for, but personal loan in my opinion is the least.

Personal loan: they will give you the money to do what you want, you will use it to pay for the car and you will pay back at interest rate of about 20%.

The other two options (HP/PCP): they will pay for the car themselves and it will be delivered to you. You then pay back at interest rate of about 8%.

Should we create another thread for "Lamentations in the Uk" or
"How Immigrants are helping the UK" or
"How UK is helping Immigrants "

You people should please na.

Or better still send each other dm and argue over email.

Off topic

Looking at all the athons going on in Nigeria now since after Hilda Baci (cook-a-thon, massage-a-thon, praiseandworship-a-thon), I remember the guy that didn't give out his company name and people were asking "do you think all of us will go and apply" 😃😃😃

Omo...I too like the way people for take crowd the company 🤣

lukasa:
I submitted the normal Nigerian drivers license,I haven't handled a ride for some time after I.left driving school

Simply put, you don't know how to drive.

Look for a driving tutor that can take you on a crash course, you can get one from Acclaim Driving School or anywhere around you or even FB.

If you are not able to meet up before resumption, simply tell your employer you need to take driving lessons in UK before putting a car on the road.

They may have an alternative like electric bike.

Knowlegeseeking:
Still need? Let's deal

Yes

BoyleEd:
Hi, At what rate?

990

I have naira, I need pounds. Please let me know if you need naira.

How do you guys get mind to invest for 15, 20, 30 years?

The thoughts of why I won't do it is just too many.

In 20yrs time the capital is as good as useless.
What if the company folds up before 20yrs (excluding FGN).
I may have good business to execute within that time frame. etc

Lexusgs430:
They probably stopped offering the 20% Apr rates .........

So I was not too far from the truth...... Would dig out their 20% offering.........

As e don enter Nairaland so, they will stop the 15% before them run bankrupt

Lexusgs430:
Simply open a branch account (download app), fill all required details, after account is opened, fund account, then transfer money to the investment portfolio.........

Sit back and relax....... Every Monday morning, you receive either 15 or 20% (depending on investment selected).........

The interest you receive, would simply be your salary to family (preserving your capital)....... 😜🤣


https://branch.co/

Do you have referral link?

I'm just hearing about this and my funds have been earning 3.5% average in my various investment platforms. Make I port sharp sharp

justwise:
I'm a Christian

Read my comment again.

justwise:
11 If two men are fighting and the wife of one of them comes to rescue her husband from his assailant, and she reaches out and seizes him by his private parts, 12 you shall cut off her hand. Show her no pity (Deuteronomy 25:11-12)

“When she carried on her whoring so openly and flaunted her unclothedness, I turned in disgust from her, as I had turned in disgust from her sister. Yet she increased her whoring, remembering the days of her youth, when she played the LovePeddler in the land of Egypt and lusted after her lovers there, whose members were like those of donkeys, and whose issue was like that of horses. Thus you longed for the lewdness of your youth, when the Egyptians handled your bosom and pressed your young breasts.” (Ezekiel 23:18-21)


I can go on and on...

One thing with people that don't like Christianity is that they spread the word faster.

Please go on and on.

Opiso101:
Thank you

I have done the coursera courses.
But I don’t think their certification is recognized

Purge your mind of the idea that certificate gets you job or is an added advantage. Learn the skills from those courses and get the knowledge. That is what will get you job especially in those your areas of interest.

Fields that certificate is a must have are fields in areas like health, law etc and you have to start from the B.Sc level, or something like Pilot which you can't get from just an online course.

If you can, get yourself a mentor. You sound like you need one.

gmacnoms:
Bristol and hills. And local man body don too stiff.

If I ride small, I go roll am small.

It was really stressful. 30 minutes ride took me 1hour plus.

At a point, I was looking for where to even keep it and enter bus to my house. 😁

Guy abeg lemme.
What is this 😂😂

LagosismyHome:
Hummmm. I was about to order from naija. I guess I need to hold off

Please what was the value declared on this shipment?

I can't tell. It was my wife that did everything, I only got involved in the payments. But the foodstuffs were many and shipment from Nigeria was over 100k.

ayshegz:
Hi folks I need help ,I received a package specifically 21st of may from Nigeria ,I live in Belfast Northern Ireland UK ,to my surprise I got a mail from UPS just 3days ago asking me for payment of unpaid invoice to the tune of 272 pounds (taxes and duties ) for a package of 27KG and declaration value of about 50 pounds ,I’ve contacted the agent(paid him 5k per kg before sending ) In Nigeria he said he paid for shipment that what UPS is asking for is receivers taxes and duties ,I really don’t know what to do ,I’ve called and emailed UPS severally they keep saying that’s the amount to be paid ….Anyone with solution to this problem

When I received food items from Nigeria via DHL, after the items got to UK, DHL sent a message that I need to pay £62 for tax and import duty for some items (vegetables) before delivery.

That was my experience and I paid.

Akhat:
Please can I use my current UK address as the the address we will be staying.
It's the same address that was provided as my address in their application.

Why not if you have already put it in the application as their destination address.

Akhat:
Good morning, and happy weekend. My wife and my baby are applying as dependents to join me in UK. I came into UK in January as a student.
I would like to know if the details in this consent letter for my son is ok, or if I need to remove/add some information

It looks Ok except the living arrangements (personal opinion though). I would rather it is presented as if there is a living arrangement already instead of the intention.

Just like schengen visa application where you need evidence of hotel booking (even though you haven't paid) instant of saying "I will book a hotel".

You also don't need to mention your current living condition. Consider the below:

We are responsible for his living arrangements and we will be staying at Charles Street, Leicester LE1 1AB. This is what I used and it was my office address because I had not booked airbnb at the time.

I also put my visa application number, passport number and IHS payment reference number with the child's visa application number, passport number and IHS reference number so that they can tie everything together.

elengine:
Hmmm bro. Honestly I think you misconstrued the message I was trying to pass. I am on HCA dependent visa and I hope you know that I cannot be throwing a stone while I live in the glass house.

What I meant was than an HCA especially the dom usually pays higher insurance premium because of the risk inherent in their job. So the insurance thinks I am also an HCA but I was hiding it. More so, I am the one paying for my wife's insurance too who happens to an HCA. I believe it is clear now. Apologies once again. Na evening school I go and that is why I could not ensure clarity in my message.

Omo this explanation en...e make sense.

Misunderstanding na bad thing.

Lexusgs430:
What do you mean ...........

How come my mum spent her 5 year visa, almost sending us bankrupt................

Perhaps I have interpreted this wrongly or don't know how it is applied.

Lexusgs430:
Nah your ticket money, go feel the heat ........🤣😜

Spend 5 month's+ for UK, another month for Nigeria, then return for another 5 months holiday........

Rinse and repeat.........😁🤣

It's not allowed.

I use to have this impression as well.

semmyk:
Let's start off on this note.
- is the suspension with pay or without pay. Expectedly, it's with pay.
- is there a letter of suspension. If so, did the letter mentioned... suspension in view of investigation towards disciplinary hearing ... If the letter includes statement similar to the italic, you would be under the ambit of labour matter. Then ACAS becomes your go-to for advice or to lodge complaint towards employment Tribunal.
If not, you might have to go the Court route on civil litigation. Going employment dispute might work best though.

PS: Bigtt76 asked if there's a recording. Kindly answer this.
If you're unsure, you'll need to demand.
NB: it appears your friend has been opening his mouth too wide. In law, silence is golden. One does not go gara gara, especially the typical 9ja way.

Herewith within the limit of one-sided [audi alteram partem]
-- ex patient or service user raised a sexual complaint
At the time of the alleged incident, it the patient a subsisting patient or ex patient
-- against her previous carer
Ditto, at the time of incident, is she, the patient, ex or current.
Was the complaint filed while a patient or ex patient
Is the patient claiming she stopped/revoke the care service due to the incidence
-- since last year August and he has been suspended from work ever since ... till now the issue is still on the table
From Aug 2022, we are looking upward of 9 mths. That's gross. Can investigation takes so long, yes it can. Should it, heck no.
Bearing no unforseen or unknown fact, your friend is within his right to file (labour) employment dispute.
Link: ACAS: Investigations for discipline ...
Approaching ACAS should be the first step, however, in most certainty, your friend might need a good employment lawyer. Obviously, not charge and bail!!!

-- mentioned hes schooling in a university,
As mentioned earlier, your friend must learn to be circumspect with words while not uneconomical or labeled as uncooperative. It's a balance within the ambit of ... reserve the right to be silent 😷
-- so they now went ahead to write the Uni to inform them hes under investigation so the uni asked him to stay away until he is cleared ... ... the police have been invited and they couldnt find any evidence of misbehavior.
In this instance, let your friend approach the university with the police report (findings). On the basis of ... innocent until proven guilty ... the university should lift the bar.
If not, your friend lodge a dispute with the university ombudsman (if there's one) and/or OIAHE: Office of the Independent Adjudicator for Higher Education
Let your friend read more from Office for Students - https://www.officeforstudents.org.uk/for-students/ofs-and-students/complaints/complaints-about-a-university-or-college/
PS: if your friend can afford it, let him approach the likes of HCB Solicitor (hcbgroup {dot} com).

-- that very week wahala started
You mentioned earlier that ... It took months for the details of the so called offence that led to safeguard was even known o ...
Which is which. Kindly clarify.

You may want to read these regarding rights during investigation
[1] https://castleassociates {.} org.uk/ blog/i-am-being-investigated-at-work-what-are-my-rights
[2] www {.} richardnelsonllp.co.uk/ what-are-my-rights-if-im-being-investigated-at-work/

_{The advice herein are not construed as legal advisory as contemplated in law}

Since morning, this is the only post I've seen that addressed the issue on ground. Others were just rewording the problem and adding salt to injury.

ojtopsy:
Good afternoon House.
please I need the best of advice/ideas to solving this problem before someone does what he no suppose.

Please any great advice will be welcomed
Thanks.

If police didn't find anything after investigation and further injustice is still being meted out, go to court.

The problem now is the resources to go to court.

Solumtoya:
Two things:
1. Don't overthink it. After application, but before document upload, a lot will be clearer.
2. Be honest, and let it make sense to an intelligent person. For instance, You can't say your Mum earns N35k but has N4m in her account. It's mostly likely a lie and doesn't even make sense.

Now for your questions:
Yes, you should upload Employment Letter, Bank Statements and Payslips where possible. It's better to have to much evidence than too little.

There's no average amount but let it make sense. If your Mum is visiting for a Month, how much do you honestly think will be needed? Maybe £1k for flight, £200 per week for hosting her and another £500 for shopping. So £2k or £3k for the month visit.

You need to upload your Mum's Bank Statement too. I think they want to see that her financial footprints aligns with the occupation or status quoted so this usually a big reason for rejection. If she has too much or little activities for her status.

Affidavit, that's just weird, fam.

To strengthen your application will be in two letters:
1. Cover Letter from the Application (your Mum) explaining her visit, any gray areas, and proving that she will not overstay by showing she has ties to her home Country like landed properties, family members, other activities, etc.
2. Invitation/Sponsorship Letter from you and your brother. Again explaining your living conditions, your income, any gray areas in your finances or statements, just generally convincing the Officer that you indeed want your Mum to visit and you're capable of hosting her without bothering the system.

Don't be afraid to throw in pictures of you and Mum, birth certificates, etc.

I could go on and on but you get the gist. I've seen people denied for so many reasons:
1. Not enough evidence that the visitor is related to the person inviting as a relative
2. Fake or too much unexplained inflow in the account
3. Not enough evidence that the person inviting really wants the applicant to come. This one is a little funny.
4. Insufficient proof of financial sponsorship
5. Insufficient proof that the applicant will return home after the visit.

ETC... I don't wanna make this too long, but feel free to ask any question.

Thank you for detailing this.

My mum does not work but she has like 200k in the account. (She's a trader but I can't prove this so I'm going with the option of She's not working).

I'm just wondering how much I should put in her account before printing statement or if I should print with the 200k like that.

I want to apply for visitor visa for my mum. The visit will be sponsored by myself and my brother. Do I need to attach bank statement or payslip and employment letter is enough.

If bank statement is necessary, on average what balance should be in it.

Also someone suggested I get an affidavit from a lawyer backing the visit. Has anyone used this approach before?

Do I need to submit my mum's bank statement as well?

Any clues to strengthen the application?

If you have applied for your parents and it was denied please share the reason 🙏

All suggestions are welcome.

hustla:
.. But na true na.. Where I Wan put care work for CV

Company: ****
Job Title: Operations officer
Achievement: Provided and profferred solutions to problems that had long plagued the human race, increased customer satisfaction and increased company revenue by over 70%.

Tell me which employer no go employ this CV 😊

CowbellY:
He has to go to Nigeria to get a divorce. Anyway these aren’t straight forward either. My friend is in a similar situ and the divorce has been in court for 2 years now. Nigeria courts would frustrate you. This is an uncontested divorce btw. And he has to be physically present at every hearing. In March he travelled to Nigeria and the court didn’t even seat anymore.

Not fair. He’s been unable to move on with his life as well.

Yeah...I hinted on this in my follow-up comment especially for a new marriage.

Like someone suggested, the guy should count his losses and move on, the lady will remain single for a long time or explore the baby mama route in which case she'll still be seperated from his supposed fiance because whether she changes visa or not, her marriage is on record with UKVI.

It is possible she didn't leave the marriage because of her old relationship too. There could be other reasons.

koonbey:
Your friend needs to focus on untying himself from her, and be less preoccupied with revenge.

E don happen, e don happen. Way forward lo ku.

This is just the way to go.

She will come looking for your friend for permission when it's time to marry another man.

When I say permission, you can't marry two men (in court), you must divorce one and the conditions to divorce in Nigeria without the other partner go tire her seff.

hayesconcept:
Nothing unless if your friend fit gather boys and scatter her parent house for naija. Anything aside that otilo

No make me laugh abeg 😅 😂 😂

UnconventionalT:
She is the dependent, not my friend

Ah...case close.

Divorce her in absentia and her visa is automatically invalid.

There are three sides to a story, my contribution is based on the side I have heard.

UnconventionalT:
Hello everyone. Pls help my friend, he's been a victim of dependent visa in the UK.
He met the said wife few years ago and they developed genuine relationship leading to marriage. Unknown to him the lady only stayed in the relationship and pretended to be in love because she knew of his plans to travel abroad one day.

Who is the dependant now and what type of visa. I don't want to make any assumptions.