₦airaland Forum

Zahra29:
Congratulations 🎉

Thank you very much, God bless you.

Chinlov:
Ahhh na wao... but he did say his wife's moneybox brought in 2k...must we fight over everything

@ viruses, big congratulations!!! this kind of story is a good reason to remain in this forum.

Thanks you very much.

Gloriouscrown:
Congratulations

Thanks, I appreciate

Jamesclooney:
Congrats brother! Please I have a question. I want to buy a new build first home as well. Middle of 2024 will make it 2years.

I’m in Nigeria at the moment. I’m liquidating my domiciliary account and want to carry about $12,000 or more cash on me to avoid FX losses when I convert to GBP. It’s legitimate income from employment. Has anyone done this before? What do I need to upon landing? Anything to declare.

Also how do I avoid questions around AML?


Lastly, is money box same thing as Lifetime ISA ? I have an account with Newcastle building society.

Thanks ahead

Cc
@ticha

I don't know the max limit of cash you can travel with to UK but that information should be freely available and accessible online.

Yes my moneybox account for this purpose was LISA.

Your $ is useless in UK until converted to £ and you are better off doing the conversion in Nigeria because you'll incure more loss doing it in UK.

If you didn't launder the money, you don't need to fear or avoid questions concerning AML.

Bourne007:
Congrats sir 👏🏼. At what interest rate?

5.3% 5yrs

AKALAMAGBO:
Congrats my brother 🥂🥂

Thanks alot, God bless you.

Peerielass:
Congratulations @viruses.

Thanks alot, I appreciate

ehizario2012:
Congratulations boss man. Congratulations to your wife too, without her support it might have been harder.

Inspiration full this thread I swear, just choose the one you want!

Thank you very much.

Estroller:
Congratulations, we dey expect house warming invite.

Thank you. House warming wey be tomorrow 😀

ukay2:
Congratulations 🎉 and welcome to your lovely home.... More celebrations

Thabk you very much.

Chreze:
Nice one.

Congrats to you and wifey.

Thanks chief, I appreciate.

Santa2:
Congrats!!!

Thanks alot, I appreciate.

lavida001:
How much do you reckon is down payment for 2 bed?

Congratulations man

Thank you.

10% of the price of the property. I can't give a specific figure since I don't know the price of the property.

Been waiting to share this, wanted to have my keys first.

So after exactly 2 years in the UK, I got a house on a mortgage, new build.

Process took 2 months from when I identified and decided on the building, could have taken less but I intentionally delayed it because I needed the next salary to complete the deposit and I applied for the mortgage like a month before the 2 years would actually complete.

I don't know how to write plenty, I'll just drop whatever information I think is useful so if you have any questions, ask.

You need like 2 years residence history to stand a chance of mortgage approval.

Mortgage Advisors play a role, one advisor said Barclays can only give me for 40yrs duration, another advisor gave me the same Barclays for 30yrs.

It's difficult to decide on 2 or 5 yrs fixed term so do your research, I went for 5 yrs but at a point, I was thinking of changing to 2 yrs but I guess we've passed that step now.

If you are planning on bringing in huge funds for the purchase, bring it well before hand to avoid plenty explanation, six months statement is usually required but sometimes, while you're explaining an inflow, you may be required to bring statements dating further back.

It's OK to negotiate rates, sometimes if the lender does not hear back from you on time, they will contact you and reduce the rate without you asking, perhaps they thought you have not responded because of the rate.

For new builds, beside the decision on whether to do 2 or 5 yrs and the choice of house, I don't think there are any special skills or knowledge required, advisors will be doing their thing and giving you update, solicitors will be doing their thing and giving updates, if they require any information they will reach out. Your own is to read and sign documents and ask questions as they arise.

While your income play a role in how much you can borrow, your outgoing play a role in your affordability. The lender complained about my outgoing and the mortgage advisor advised that I reduce my son's days in school to reduce the fees. So I just told them to remove the school fees entirely and explained that he will stay with his aunty, whether I implement that does not matter again. Other options will be to pay off car insurance for the year to reduce the monthly outgoing or pay part of the car loan to reduce the monthly payments.

If you haven't, start your moneybox journey, I got 4k free from moneybox. Me 2k, wife 2k.

If it's a new build, you can buy towards the time when most of the houses are sold, as the houses are getting sold, they begin to introduce discounts and cashback. I was lucky to buy the show home (isn't this rare?) although the furnitures were removed, some other items like curtains and decor were left. The catch here is if it takes long to sell, prices and rates would have changed (this may be good or bad depending on whether it goes up or down) and the particular house you are waiting for may not be waiting for you.

There are lots of schemes available especially for new builds including first home schemes and shared ownership, depending on your money, you can explore these. I didn't use any scheme because I could raise the deposit.

Credit score matters but credit history matters more. Credit history does not mean using credit up and down, it simply means don't miss credit payments.

There's hardly a right time to start the process, just get an idea of the area and cost of the building you want, raise some money and approach a mortgage advisor and things will begin to unfold and become clear.

My appreciation goes to everyone who have contributed to mortgage issues on this thread, I learnt alot and the information gained were useful.

ehizario2012:
Hmmm... In my first week in this country, I took a train to Rotherham from Sheffield and paid £5.6 in cash inside the train, on my way back I paid the same £5.6 in cash. The conductors were white, a lady to, and a guy fro. It was only me that day, I went to confirm our accomodation.

Following day, I packed my family and all my children inside train to Rotherham, got there as usual, met a white conductor outside the train and told him I'll be paying cash inside the train he said no problem. Lo and behold, the conductor I saw was a black man, he asked for tickets and I said I am paying cash. Next thing, this black man gave me a ticket of £100 for not buying a ticket before boarding the train... My protests and samples of receipts of previous journeys fell on deaf ears. I felt so embarrassed with my kids. That's how we do ourselves, over sabi na e dey kill some of us. Over do!!! He definitely came in as a migrant too! If na Lagos we dey, I for use something do am.

Do you actually board a train before buying ticket or you're supposed to buy ticket before boarding. I know the fine for being in a train without ticket is £100.

Modified:

So after reading a few more responses, I can see the OP was ignorantly at fault, unfortunately, ignorance is not an excuse.

One time I did live chat with customer care rep and made a request which was granted, another time I made the same request but this time around, the live agent that attended to me said such requests cannot be granted via live chat, told her I have gotten such request granted via live chat before and her response was that it was wrong and the agent that granted me could be in trouble if caught.

Moral lesson: that it happened before does not mean it was right, it could have wrongfully happened.

toughest007:
So sorry for the stress you are experiencing.

Why not try and weigh the possible risks of having to continue living with that stranger against the stress of moving out. I would go for the former. I'd recommend you ask for more time to enable you sort yourself out and leave.

possible risks of having to continue living with that stranger against the stress of moving out

possible risks of having to continue living with that stranger = former
the stress of moving out = later.

The thing dey confuse me too before.

For home insurance, going directly to the insurer's site, I got a quote of £471/year, going to the same insurer's site from compare the market I got £271/year, going from confused.com I got £152/year. This is for all the extras selected etc.

I want to go for the cheapest quote but I'm kind of worried if all is not what it seems.

Is there a difference or will there be an issue if I buy using the quote I'm getting from comparison sites?

Ticha:
It is incredibly hard to remove a tenant who knows the process and tenants do have more rights than landlords and rightly so. It is the tenants home and the right to have a suitable roof over a human's head trumps another human's want to make money for services rendered. After all, they're the perceived underdogs in that relationship. It's only the tenant or a court that can end the tenancy. When the landlord says I want my house back, tenant has to say yes, otherwise Oga landlord has to wait. It currently takes about 12 - 14 months to go through the whole court process of removing a tenant.

A S21 is a catch all eviction notice. Most landlords will use it so the tenant has a lower chance of challenging it as they they just want their house back rather than explicitly stating what the issue is and then it being drawn out further. A section 8 is easier to take through court as the landlord/ agent so when an agent does use it, you know they're serious about getting you out.


Although, all eviction notices are 2 months, the tenants can choose not to leave, can choose to stop paying rent and can choose to frustrate the landlord every step of the way through the court system and there is absolutely nothing the landlord can do other than wait out the process and apply for a CCJ against the tenant at the end.

The notices also expire and all need certain conditions to be met which is where it catches out DIY landlords. If those conditions are not met when it gets to court - however long it takes - it'll be thrown out and the landlord needs to issue the notice again and wait 2 month before starting the court process. If you win the case, then you need to instruct and pay bailiffs and hope that they are available soon as waiting times for bailiffs is now also between 2 to 6 months across the country.

Going to court also costs money - of course costs can be charged back to either the landlord or tenant but the willingness to pay nko? One of our tenants paid back £3800 at £5 a week. Of course we could have done a financial disclosure but again, it means going back to court, then paying to have their payslips and bank statements collected so the financial disclosure can be done. In the meantime, they can resign, move away, change names, go self employed, declare a reduction in earnings and frustrate that process.

A landlord can be banned from landlording, they can be forced to sell properties to meet requirements and regulations and sometimes spurious ones too. If you own a HMO, then your name and address is on a public register that all and sundry can access. In Scotland and Wales, rents are capped, and every landlord is on a register. Rent increases can be challenged and often won when done according to stats. Direct payments can be stopped and other than these notices which totally relies on the goodwill on the tenant, court is likely the only option to get your property back if that goodwill is not there.

With all that you have said, does it mean the lady that brought up the issue originally can choose not to leave the house until about a year when the landlord would have been through with the court process, however the landlord can charge back everything to her yeah?

And in situations where the landlord does not follow court process, it is the tenant that should go to court just like the guy that the landlady removed his door?

Ticha:
A section 8 is an at fault eviction so you are deemed to have broken a, some or all the terms and conditions of your rental agreement. Did they state which ones? If yes, then it is a valid notice. You are not being discriminated against. It is one of the proper ways of evicting a tenant.

Your main issues were 1. Not contacting the agents immediately issues started arising and 2. Not documenting anything at all. Certainly the 2 visits to the agents office should have been preceded by an email detailing the circumstances in the house. It is now a he said/ she said and the agents/ landlords likely don't want to deal with that which is fair.

Be that as it may, it is in your best interests to find somewhere else and leave unless you want them to go through the full eviction process ie court and I bet they will have their costs charged back to you.

You can seek legal advice but be prepared to spend money. Do you want to go through that hassle? You'll need to prove that the notice was wrongly issued and even if you win, they'll probably hit you with a S21 which is a no fault notice ie they don't need to give you any reason at all apart from I want my house/ room back and that is also 2 months notice

If I were you, I would negotiate for a longer notice period and get them to agree that they give you a good reference so you can find somewhere else. In fact, get them to pre-write, sign and give you the reference so they don't back track later. Obviously if you don't need a reference then that's a moot point.

So a landlord can evict a tenant in this country for no reason. While I sympathise with those facing landlord/tenant issues, it's good that things are unfolding because the impression that have been created on this thread was that tenants have more rights than landlords in this country.

Some even said a landlord cannot evict tenant except he wants to sell the house and I was wondering, my own house.

Thewritingnerd:
Well, this isn’t entirely right because theres also an “illusion of choice” where the available choices are limited or predetermined and set to intentionally steer you in a certain direction.

So it’s not exactly “free choice” if the choices they’ve intentionally made available steers you in a certain direction and you HAVE to make it, because your survival depends on it. Anything that involves survival cannot be said to be “choice”.

Depends on perspective.

If you look at it from this angle, you could say the choices were limited because people need to follow survival instincts.

But going back to the beginning, nobody actually forced you to leave Nigeria where freedom of choice is in abundance to a land where same is limited.

NotATroll:
Hmmmmmmm
Are you saying it's much better than people let out ?
Um selling my entire life to move so na one way

If you had made this move since, we won't be having this conversation now, by now is way forward we would be discussing.

It's better you try and fail then move on than not trying and keep contemplating for years.

Trying and failing is better than not trying at all.

Zahra29:
The non citizen would have been given a 30 month visa ( to renew after 2.5years), not 5 years

Was given 5 years visa, except I was lied to.

NotATroll:
3 of them came back after school

This is why they are discouraging you, so that you won't make it where they didn't make it.

Lexusgs430:
Sure..... Unless law changed.......

If both of you are legally here, the non citizen can marry the citizen here in the UK.

I attended the court wedding of a student and a citizen November last year and the non citizen has gotten her 5 years visa with no restrictions.

Kunleop:
Can qe say mum is self employed(selling of cloths/fashion designer).

Kindly clarify as im also filling application for my mum, im sponsoring everything but shes a tailor back home.

Use pensioneer, house wife to avoid plenty explanations. But if you can explain, you can as well use self employed and provide evidences of tax compliance, personal income from the business etc.

eniola1010:
Please tell ur brother to send the money into your mother's account, and use remark of trip expenses or something of that nature

Also let ur brother upload like 3 month pay slips and evidences of his work place

The same happen to my sis
She used her company acc to apply she even uploaded every document to show she owns the company

She was denied because they said company money is not the same as personal money that why dint she move the money to her personal acc

That what if the board of director did not allow her spend from the company acc after she has enter uk

Can u imagine, for her own company one man company o, sole proprietary company

The bolded should not be applicable if it's a personal account. When my mum came, i didn't deposit any funds in her account and I haven't heard anybody done such. I only stated I will sponsor the trip 100% and provided PoF.

People get refused for huge/suspicious deposits prior to visa application except you want to give plenty explanation for it.

Come to think of it, does it mean all the section 21, etc we have been quoting on this thread is not all what it seems.

Reading them here before now one would think that if your landlord as much as walk pass your front door without permission s/he is a goner or this case is just different because there is no contract.

UniqueDext:
Guys I have decided to move out and have my peace of mind.
But my problem now is that the landlord have decided that she will not give me my deposit.
Please what are the best and fast legal way I can use to get my deposit back from her?

Also she didn't register it on any deposit scheme, how do I go about it please.

Easy way is stay out the duration of the deposit amount.

I typed "house rent deposit" on google and saw that if you are not able to reach an agreement with your landlord, you can seek court redress which will cost £308 and will be refunded if you win. You can also get free legal advice before going to court. Considering you don't have a contract or agreement, what are your chances of winning the case? Does the chats, rent payments etc you have as evidence state that your deposit will be protected?

You were willing to pay the rent before matters escalated, unfortunately, it seems you listened to those saying don't pay; the landlord will be dealt with severely. This is another example of not taking all the advice you get here hook line and sinker, use your head.

Like I said before, you have already broken any agreement you had when you didn't pay rent and have even loosed your rights as a tenant, stop trying to see the fight to a finish.

karixz:
I just said physical cause I already have Revolut

You are not wrong don't mind the guy.

There are physical banks and there are virtual banks.