₦airaland Forum

Rubyventures:
Nothing wrong, you recommended a bigger hotel room alright. The only mistake you made is not asking him what his budget was.

Did he mention money was a limiting factor?

marylandcakes:
I’ve just imagined you typing this with a straight face. Lol thinking (nor be big room him they look for abi?)

fatima04:
Lol @slightly bigger, u r truly not nice

Lexusgs430:
You are not nice .......

Rubyventures:
LOL Dorchester? Yes, he might even bump into the queen in the lift.

Somebody was told all the hotels in the UK have small rooms that cannot fit their luggage, what is bad in recommending the one with bigger rooms that would definitely fit like these ones https://www.dorchestercollection.com/en/london/the-dorchester/rooms-suites/

Obi1kenobi:
Jesus Christ, I'm dealing with a lot of window-licking reetards today. You think randomly comparing a bunch of black footballers, many of them multi-millionaires in top European clubs, with a bunch of black hawkers at a tourist resort while cracking jokes about their "multi-tasking" ability and resourcefulness is not a racially charged joke. So, if I told a random Northerner that I meet in University or at work how he reminds me of my hardworking shoemaker, gateman or cart-pusher that disposes my garbage, he's gonna be shining his teeth thanking me for my compliments, abi? What a fuccking brain dead mooron.

Guy, you see why Nigeria is in deep shiit.. They don't even have a clue about racist remarks...hiw will they know how to vote?

ZirdoRoray:
Question is did he use any insultive words or did he say they resourceful?

Omg...

ladyF:
So people should stop writing the church for money? What exactly is the church money meant for?

The christianity some of these churches preach about is getting tiring...

Come on, the church money is meant to buy aviation fuel to preach to the birds in the the sky.

Daddy GO should tell his son not shiit where they eat...

Folich:
UK is no doubt a great place to spend some time in order to create memories of your own. Most of the travellers tell me that the rooms of the hotels of the UK are very small so that you and your luggage can only find some place in them. Is it true folks?

Have you tried Dorchester hotel? The rooms are slightly bigger.

It's just common sense...restrict heavy duty vehicles from plying the bridge.

Two america's most wanted apeshits

The guy looks like a refugee from sudan

s3tt1ngz003:
Requesting for loan is not begging, is called requesting for help....... Only a few is man enough to do that before things got spoiled beyond repair

Alailojuti

We major in minor... See the daft that is not paying productive workers salaries too.

Lexusgs430:
I would..... But as a 3rd party, I minimise myself to exposure and profiteering......

The point was to prove banks don't make money out of thin air like Mr Chappel mentioned.
The best way is to live within your means, but the banks too wants to declare profits in order to give returns to shareholders.

DaveChapelle:
Loan sharks do... So yes other people do it

And some dodgy finance services with dodgy interest rates...

Yes loan sharks do... That's why they maim the borrowers if they default.
You just try and lend someone money without interest and see if its very straightforward to get it back.

The cost of this risk is the interest the bank is charging.

Lexusgs430:
How much interest are they paying out vs interest received =

If you are running a business, do you not aim for profit?

DaveChapelle:
Actually, it's even easy... You borrow me 100pounds and you ask for interest of 5 pounds, hasn't that 5 pounds been created out of thin air?

We only had 100pounds physically, but because of our philosophical agreement, you write down 5 pounds on paper, which never physically existed. Do that to 50 people and you have generated 250pounds virtual money out of 5,000 pounds, when you write it down, you legalise it and it becomes more money which you can borrow other people in a vicious cycle from just being a custodian to keep the money in the first place

If its that easy everyone will be doing it mate. If a bank lend you 100, that somebody else's money they are giving out which they are already paying interest for.

SexytorresE:
It's like having a headache or malaria, instead of u to get anti malaria or see a doctor, U didnt, u are expecting God to heal u. Where u are supposed to call for miracles is when something is beyond science or human power that's when u can call on God.

Have you not seen the dumbasses on many occasions going to church to pray for arsenal? Bunch of knobheads. They pray for everything... There is no water in the jug, they pray.. Their shiit is hard they pray....on Monday morning when they are supposed to be productive, they are in a church praying...part of the reason the country is not growing!

Amugbo

biafraisdead:
I wonder why nobody got the message Daddy freeze was trying to preach, ok let me help dissect what he meant, God does not have any business in football (who wins or lose) he has other better prayers to attend to, or are u trying to confuse God? imagine country A playing against country B after both countries have prayed, now who do u want God to favour? God does not mingle in anything that does not bring glory to his name. Our problem in this country is that we are just stupidly regious but VERY wicked at heart.

Succinctly put!

Aphrodite007:
I didn’t know he could just pay it up, it’s little remaining so we can pay that up in a very short time to get the ccj cert. do this mean that he will stop having a bad credit score? He has a loan he pays off to improve his credit rating, and I want to advice him to get a credit card too. He was irresponsible when he was young, not now, especially as he knows I’m a hawk when it comes to keeping our finances in check.

Thank you so so so much to all of you. You literally just saved me from doom. I wish there was a handbook to teach people how to live in the UK.

Yeah you could pay it off...afterwards, get him to sign up to https://www.moneysavingexpert.com/creditclub this will show you full experian credit report free for life (I paid 14.99/month for over 3 years till i discovered this).
From there you could see how long he has got left until the CCJ drop off. There is absolutely nothing he can do to improve his credit if a CCJ marker is on the file.

What a country! When last did we read about good news.

Even the groom no iron his coat.

marylandcakes:
I think it takes about 6 or seven years to come of your records.

That's if you don't touch or acknowledge it. If you are managing it and trying to be nice by paying back in bits... It will be there like methuselar

Aphrodite007:
You are very kind. Thanks for the advice. But my mumu button never spoil yet. I read that I can influence his score positively- I guess I’ll have to make this sacrifice for a “greater good” of improving his score. It’s teally not about the bills or FLR, it’s just about wanting a joint account. Im really hurt by this but As far as I don’t lose my job (work in a bank), I think I can cope.

Thanks. I’ll still ask around to know if there’s a way around the score thing or to find out how low my score will go. I don’t even know the score sef that I’m worried about

If I am your OH, I wouldn't let you open a joint account with me considering the bad state of the credit rating. I can hazard a guess that he has got ccj, that will affect your bank job if you don't know. Banks and other financial services review employees credit standing periodically. If they realise you are linked to someone or you are in financial mess, that's the job on the line.

Aphrodite007:
Whooooa! Hold up! We are about to open our joint account and his credit score is messed up, although he makes monthly payments to resurrect it.. are you trying to say that he will affect my precious credit score

Your credit is about to go down south if you open joint account....it takes 6 years to normalize any shyte on there.

fatima04:
Yes exactly the issue I have been facing with those websites. Anyone has an idea how to bypass it should please share because waiting for 3 years to check the score may be tough

Wish I could help...not sure what will happen if you put more than 3 years there.

marylandcakes:
As long as you haven’t lied on your CV , the information will match and you can explain any gap periods.

Almost everything now a credit check is done on you. If you take a look on your credit report you will see all the companies that have done credit checks on you. Even your bank when they are suspicious about certain movements of funds through your account, they will pass it on to hmrc who will do a check for fraud purposes. When you do your tax return a credit check is also done to verify that you are who you say you are. Even when you live at an address you’ve got to be careful it’s not been blacklisted or the people you share an address with have not been blacklisted.
Even when you fall in love and do joint accounts make sure that person has got a clean record or it will affect you as that person will be linked with you in your credit report. Etc

This is not right. Your credit rating is based on your information alone.

Inkredible:
The 2 sites you quoted. They require 3 year address history which is impossible as Naija postcode system died a horrible death. Thus, you'll be stuck at that stage in registration and won't go forward.

Oh okay I didn't know that...unfortunately, I cant remember how I bypassed it when I first opened it.

fatima04:
Thank you for your response but it's still showing the 3years UK address thing does that mean I can't have access to it and so will banks and other peolpe searching?

What is showing 3years UK address thing?

fatima04:
So if I have not got a credit card and input less than 3years rental history how can I perform a credit check beginning to get worried with all this talks

If you have a bank current account, and registered on the electoral roll, you have a credit file. It might not be detailed though. Noddle and clearscore are free to view the details of what you have recorded on you. Noddle pulls information from call credit while clearscore pulls from equifax.

Something like restore to factory setting or hard reboot

Greenvilla:
Hi guys thanks for all your contributions on the credit search.

From my research it seems it is impossible to actually get a credit report as an individual if you cannot provide about 5 years UK address history.
Just as @Ralphlauren said

“there are software used to run checks on applicants that can within seconds check and confirm how long the applicant has lived at a particular address. If a firm uses such software, then expect your application to be refused”

My credit search is meant to be for a job, I wanted to have an idea of what prospective employers will see on my report.

You don't need to stress for that, just resgister with clearscore and noddle. Between them, you will have all the info regarding your credit file.

Ralphlauren:
RBS matter requires divine intervention. that their 'project rainbow' was an absolute disgrace. It made a lot of guys millionaires though.

the plus with RBS is that they offer relatively long contracts. I know peeps that have been contracting with them for 4years +

Yes o. Guys made shitload from RBS but they flooded the market with contractors making it tough to get roles. It's part of the reason PM roles became useless (my opinion sha).

Fatima04's effort is commendable most guys give up easily. I remember when I started, I must have gone for like 100 interviews. I messed up some because I was using the same phone. A recruiter could call whilst I was on the bus and I answered and started misyarning.

So I got the trick to get a burner phone... Any call that I receive through that I know it's for work... And sometimes I let them drop voicemail so I go to quiet area to deal with them. There is always the odd recruiter that would take interest in you and give you the chance you need.