₦airaland Forum

DadR:
He didn't also register our deposit neither did he sign and give us any contract/agreement.

Now, since we've left, he is yet to refund our deposit. We've called times severally but didn't pick up, he later blocked my line from calling him. His maintenance guy had notified him that the flat was left in good order.

Kindly advise with which organisation/body I can escalate to, to recover our £775 deposit back. And will I pay for this service? We are based in Liverpool.

Many thanks!

Type in Google - my landlord did not protect my rent deposit. You should be able to claim x3 times of the deposit back. You are supposed to have a rental agreement but just give it a try.

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In the event of a mortgage default and the lender sought to claim the property, will the buyer's equity be refunded?

If yes, will the refund be based on total payments made or current value of the property?

Thastie:
And the most annoying thing is Nigerians at my workplace are so dominated and defeated, they don't even argue, they just accept it.

In your shoes, I would do this as well, no need to be defensive or try to prove points. They are only seeking validation in areas they think Ghana is better. If you tell them "I agree" one, two, three times, soon they will start to look stupid with such arguments.

Imagine you arguing with a British that power supply is better in Nigeria than UK, silence from the British person will be more painful than arguments.

Exceptions are when insults or derogatory comments sets in e.g Nigerians are corrupt or are illegal immigrants, I will give it to you hot and avoid you afterwards because you are an enemy.

TheGuyFromHR:
So if you are being billed a higher day rate to make up for a lower night rate, in your shoes I would leave that for this winter (which is anyway appearing to be a mild one though, Aberdeen in those days was always very cold), then go to the flat rate when its warmer.

You took the thoughts out of my mind.
My case is one meter for day and night rate and the night rate is useless at night during summer, not even for charging phone.

hustla:
80%

... and I was thinking I was bad at using CC with my max 15% spend per month

Some people get mind sha but I am not one of them. I don't like anything that will make me put my hands at my back and start to shalaye

He is Indian.
In India, the more you spend and pay back, the better your credit score. He had the money but thought it was the same thing so he tried his best to spend as much as possible and paid back.

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Ticha:
Yes, I often used either the money transfer credit cards or the balance transfer credit cards to fund big purchases. Go for those that have upto 18 months or more interest free periods. Do not spend on the card once you transfer the balance to it or transfer money from it.

https://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards/

I prefer the money transfer cards cos it pays cash into my account and I can re-distribute it as I please. I still buy the tickets with a credit card to give S75 protection.

Interesting.

I will do further research on this.

LagosismyHome:
Don't pay nothing ... how can an employer enforce you to pay when you left . I would like to see how this works in reality

I think people pay because they think they must pay but if you don't pay I think nothing happens

People pay because after careful considerations, they agreed and signed that they'll pay in such scenario, it's not uncommon so let's not debate the consequences.

Experience may not be the best teacher in this case.

hustla:
I mean fuding your paypal account with your cc and thenusing your debit card to withdraw from atm

Was told there is a way to do it but i was just thinking about its impact on credit score

Spending/taking more than 30% of your credit limit impacts credit score negatively. People still argue this but my colleague went from excellent to poor because he used about 80% of his credit limit and paid back in full after statement generation.

Akorkor:
Which is the best? Stock and share ISA or Cash ISA? I just want to use it save

To preserve your money the way it is: cash

To grow your money with the possibility of losing it: stock and shares.

Stock and shares is not for the faint hearted, you won't understand this until it happens. I opened stock and shares and under 2 months, almost £500 was gone, I withdrew the remaining.

For stock and shares, it is advisable that you should leave the investment for a minimum of 5 years. The expectation is that even if it goes down, it should recover and make gains in that time.

Peerielass:
If you look back on this thread, we have discussed this in detail previously. Storage heaters work on dual tariff I.e off peak and day tariff. They are supposed to charge up during the night when there is off peak usage (cheaper electric) and then release the heat during the day. There is also some off peak electricity during the day in the afternoons but this will vary with your supplier. You can use your washing machine, dishwasher and other appliances during this time to avoid having to wake up at night. Your storage heater and hot water boiler are usually hard wired to the off peak meter. Changing to a standard meter will mean re-wiring and I don’t think this is straightforward and simple.

How much is your night rate (off peak rate) compared to the day rate? You will find that you are making considerable savings by restricting your energy use to off peak period compared to someone on a standard tariff.

My supplier; British gas does not have off peak during the day, instead they have day rate for one hour during the night.

Switching to single rate is just a matter of giving them instructions.

The boiler has 2 switches, one for day and one for night but the storage heater has only one switch such that if it's on during day, day billing is used and when on at night, night billing is used that is why when the room is warm during the day, I off the switch but need to wake up to on it at night. If I forget to wake up to on it, then I have to put it on in the morning which is day else I'll be cold.

Truth is I hardly do anything with electricity at night.

Does anyone have experience with single rate tariff vs day/night rate tariff?

I'm thinking of moving to a single rate tariff because its stressful waking up at night to turn on/off storage heater because of night rate and we use most of our electricity during the day.

Which is better?

yolkman20:
Good evening,
To everyone, especially dem bosses who has been doing the lord's work from day1 on this thread, I greet una. Thanks for all you do.
Please i seek opinions/advice on this....

To start with, anyone that discourages you from going to Birmingham should have to suggest an alternative place, you shouldn't tell me where is bad without telling me where is better.

That being said, there is nowhere without crime, in UK, it is mostly common around city centers and places occupied by people living under benefits. so don't be scared of Birmingham because of crime, just be selective about where you stay there. There are still people there and they just hosted common wealth games. I have friends too.

The advice my uncle gave based on his personal experience was that I should avoid areas occupied mostly by people that rely on govt. benefits (regardless of the city) because they frustrated his life. He didn’t change city, he just changed area.

You are going to be good with Birmingham just select the particular area you will stay well.

wane01:
Just sent you a PM

It's sold. I will respond to your PM though.

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Shorty2022:
Goodevening
Please I need advice.
It's a personal problem but since it's happening in UK,
I felt I should post it here
I am applying for housing and the father of my child is based in London and he also has visitation right.
A friend told me that if I don't want to get delay in having a house( not private)
I should pick outside London that's Birmingham,Manchester etc
I don't mind any location but my problem is childcare and the visitation rights since all my friends and babydaddy is in London

What would you do in this situation
Thanks

Your friend didn't say you won't get a house s/he only said there'll be delay so be patient.

Alternatively pick outside London but be willing to drop off the child at weekend and do pickup too.

As for friends in London, you can surely make new friends wherever you go.

profemebee:
we need to confirm o..

my research didn't specifically state it was/wasn't.. there is no clear outline..

if most non-public fund benefits are tied to NI, then what about this LISA where 1k is added to 4k...

LISA is not public funds, I use moneybox and chatted them about it.

Pounds available for sale, send PM if interested.

Lexusgs430:
I don't think we ever discussed balance transfer credit cards ...........

It's simply another credit card, but affords you the ability to payoff/transfer, other credit cards to it (my easiest interpretation)........

You currently have 3 credit cards with £5000 debt in total.........

You apply for a balance transfer credit card, push the £5K debt to it, usually at an interest free period of about 22 months, possibly with much better apr rates... You would then try to pay off that £5K debt, within your interest free period.......

NB: But while you transferred your balance to the donor card, don't use it anymore, till that £5K is fully paid off (remember your interest free period is for balance transferred and not new purchases)........

*My street explanation*........

Interesting.

Thank you

hustla:


Lexus said to Japa when you see this and Leasehold

I actually thought it should be something to rejoice about.

semmyk:
1. What to ask
He said: “Visit the property at different times like weekends and after 5pm.
“Find out if the loft is boarded or part-boarded and ask who owns the boundaries.
“How old is the boiler? When was it last serviced? What is the sellers position – are they in a rush to sell?”

2. Leaseholds
He said: “Be careful buying leasehold properties especially those that are cheaper as they normally have a small year's lease on them.
“If this gets too low, you will find it difficult to get a mortgage on and the fees can be quite large to renew the lease.”

3. Costs
He said: “Always work out your costs and ask if there is any maintenance, ground rent or service charges.
“A lot of new builds have unadopted roads and it’s up to the residents to pay for repairs.
“If the agent doesn’t know this information and the owner hasn’t told them then you won’t find this out until you have already started paying for solicitors.”

Interesting.

Especially that service charge because sometimes it will be like rent on it's own.

Gemma11:
Also never pay for a broker as there are very free ones around like "L&C Mortgages" who are paid by the Lenders to find customers or you could just approach a bank directly.

Interesting.
This is the first time I'm seeing this.

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wallg123:
How did this story end ?and what is the morals of this story ?. Interesting

Honestly as I read the story en, I even carry touch light dey look for the moral lesson.

The only thing I later manage see na ignorance.

Lexusgs430:
Rather than a car finance deal, get a bank loan of same figure........

You APR on the loan, would be much lower ..........

Wisdom.

Can an overdraft work for this or it must be a loan from bank or any loaning agency.

lightnlife:
Generally, avoid cars with dual transmission (semi-autos).

Avoid French products.

Embrace Japanese and a few German products.

You can check this video for more:
https://www.youtube.com/watch?v=puVH1Q3AqI4

I've confirmed a lot of what was said in the video with a few long-term taxi drivers and users in the UK.

This is insightful.
Thank you.

lightnlife:
Background: I'm currently researching for a good auto car with a budget of 3k. My research reveals that budget will get be something between 2008 and below. I've been advised on brands to avoid like plague due to their wahala.

What brands should be avoided?
It will be helpful to know please.

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phyl123:
You are allowed to rent a room in your house tax free under the rent an room scheme. More or less take in a lodger. As long as the income is not more than £7,500 per annum.

Thank you

Lexusgs430:
Your tenancy agreement, would implicitly prohibit subletting...........

Why would the LL put his investment at risk.........

I would like to know this because I'm nursing the idea.

Are there any consequences if it's my house (on mortgage of course) and I sublet one room or use it for airbnb while I occupy the other 2.