NewStats: 3,259,756 , 8,170,843 topics. Date: Sunday, 25 May 2025 at 10:43 PM 1p193q

Blazeens:
Just to reiterate what others have warned. Credit card is not free money, to spend is easy na to pay back hard. let's all be cautious on spending. i saw someone saying he no get income but got approved by credit card.

No be anyone prayer to enter debt, keep eye clear, spend wisely cause this no be naija, they go take their money laslas. no do yourself at all.

I just say may I talk this one because as things dey go for this amex trend i see stories that touch forthcoming in the next few months.

They never know until its too late, Why anyone new to the Uk should apply for a credit card beats me, live within your limits guys!

erico2k2:

Ask your friend very well if he is self Employed he is the one who failed to remit tax however if he is PAYE someone else's was working with his name knowingly or unknowingly

Lmao erico2k2, we have been in this game for a while nobody worked with his papers. These are IR35 things

erico2k2:

These days they will just adjust your taxcode, however people do not spend time viewing thier P60s

the op could be correct too if for 6 months HRMC did not tax him, the full story is not known and the thing about tax code is correct. If HMRC makes a mistake on your taxes one year they will correct it and take it out the next.

D

erico2k2:

You my friend understands how the tax works, the problem with the newbies is the like to jump into conclusion without properly analysing the whole fact. Another fact is this two people might work in same place earn same 24k per year but mr A might take home more than Mr B cos of tax codes. Back in the early and late 200os you get a cheque back cos you have been overtaxed cos your tax code was based on BR 20% but these days HMRC have upgraded instead of returning your overtaxed money the simply adjust your tax code to reflect the money they owe you.

.

erico2k2:

You my friend understands how the tax works, the problem with the newbies is the like to jump into conclusion without properly analysing the whole fact. Another fact is this two people might work in same place earn same 24k per year but mr A might take home more than Mr B cos of tax codes. Back in the early and late 200os you get a cheque back cos you have been overtaxed cos your tax code was based on BR 20% but these days HMRC have upgraded instead of returning your overtaxed money the simply adjust your tax code to reflect the money they owe you.

I won't dispute you further. But just so you know, my wife received a cheque yesterday refunding her 440 because she was overtaxed in the last tax cycle.

erico2k2:

What credit card do you already own and howlong is your credit history in the UK?

I don't have any credit card.

Viruses:

I won't dispute you further. But just so you know, my wife received a cheque yesterday refunding her 440 because she was overtaxed in the last tax cycle.

She lucky woman, I wish I get to receive a cheque, them people just add it to my tax code, last year I got 700 on my P60

wonlasewonimi:


Lmao erico2k2, we have been in this game for a while nobody worked with his papers. These are IR35 things

£6K for one year bross? or was it accumulative? what is his tax code when he is owing that amount
anyway nothing surprises me in this Uk anymore since a computer accused post office runners that they stole money and someone killed themselves, I gave up

erico2k2:

They never know until its too late, Why anyone new to the Uk should apply for a credit card beats me, live within your limits guys!

The system somehow pushes you to build credit and using credit card is one of the ways to do that. When I just came and was looking for accomodation, landlords/agents were talking about credit score, it sounded strange but brought the idea of credit to my consciousness.

Men and brethren.
I dey like watch how these arguments dey develop for this Nairaland, this is why I no fit leave Nigerians alone despite being a Nigerianophobe.

Many, many arguments ago, a poster innocently asked if na true say people dey pay tax from their first salary as her first salary was taxed and she bin think say e go reach six months before she go pay tax (Oga Charge and Bail, abi Hire and Fire HR dey call am managing your expectations as a new UK immigrant, but we digress).

A nice man informed her say lai lai, HMRC don sharpen knife wait for all man from the first salary. She said thank you and left.

Argument deviated through several zigzags, about people wey feel say HMRC don forget them as they no pay tax from the start, and eventually someone pointed out that even if HMRC doesn't take its pound of flesh from your first salary, you are liable for tax from your very first salary once you earn above the threshold.

Various people come gree say that does indeed represent the situation.

Case suppose don close for there.

We still dey here dey go back and forth, dey take HMRC name dey play.
Abeg, make we leave this matter, una no get cost of living matters to discuss? Who don notice say even Aldi don add money, for instance?

erico2k2:

£6K for one year bross? or was it accumulative? what is his tax code when he is owing that amount
anyway nothing surprises me in this Uk anymore since a computer accused post office runners that they stole money and someone killed themselves, I gave up

And the Post Office CEO woman na reverend, o.
PO was aware all along that there were problems with the system, since so many people were all of a sudden reporting shortfalls, but they suppressed that and still prosecuted innocent people, drove them to poverty and destitution. That takes a level of cruelty that is really shocking.

Please how were you able to see this?

DeeOneBangin:


Everybody knows HMRC will collect every dime owed to the last penny, nobody is disputing that. But the fact remains that I didn’t get taxed till about 5-6 months (only NI deduction was reflected on payslip, income tax was always 0.00) and I know a couple of newly arrived that this has happened to. How that happened, I don’t know.

And instead of someone just completely knocking off erico2k2 which I feel he is correct because it kinda applied to me.

And las las I got a letter saying i owed £138

MichaelUde:


And the Post Office CEO woman na reverend, o.
PO was aware all along that there were problems with the system, since so many people were all of a sudden reporting shortfalls, but they suppressed that and still prosecuted innocent people, drove them to poverty and destitution. That takes a level of cruelty that is really shocking.

The poor man killed himself

erico2k2:

£6K for one year bross? or was it accumulative? what is his tax code when he is owing that amount
anyway nothing surprises me in this Uk anymore since a computer accused post office runners that they stole money and someone killed themselves, I gave up

Bros HMRC no dey look face, this one even small..if I tell you how much I paid in tax last year, you go run. Let's just call it obscene! When I called to complain, it was as if I was being punished. Na to siddon look

Viruses:

The system somehow pushes you to build credit and using credit card is one of the ways to do that. When I just came and was looking for accomodation, landlords/agents were talking about credit score, it sounded strange but brought the idea of credit to my consciousness.

you can build credit without credit cards.You are better off taking a loan than a credit card

ed my theory test today on the first attempt. Practised with this Theory 4 in 1 app below, someone recommended it on this forum sometime back.

I used the Free Guarantee option and practised the 763 theory questions and 85 hazard test videos all in 3 weeks. I highly recommend the app to anyone preparing to take their theory test.

Meanwhile, I appreciate any guide to studying for the practical driving test

wonlasewonimi:


Bros HMRC no dey look face, this one even small..if I tell you how much I paid in tax last year, you go run. Let's just call it obscene! When I called to complain, it was as if I was being punished. Na to siddon look

Bro nah people dey run am, if you th ink something is wrong speak up.and always check your taxcode and pay attention to your P60

specialenvoy:
ed my theory test today on the first attempt. Practised with this Theory 4 in 1 app below, someone recommended it on this forum sometimes back.

I used the Free Guarantee option, and practised the 763 theory questions and 85 hazard test videos all in 3 weeks. I highly recommend the app for anyone preparing to take their theory test.

Meanwhile, I appreciate any guide to studying for the practical test

Great. Naturally do you know how to drive?

Yes being driving from Nigeria --Manual cars and buses to be precise but never driven a car in the UK

erico2k2:

Great. Naturally do you know how to drive?

specialenvoy:
Yes being driving from Nigeria --Manual car and buses to be precise but never driven a car in the UK

Ok all you need is for you to pay for at least 6 lessons for an instructor to teach you how to

Thanks, but do you have link to proper guide on Youtube or any resources to the lessons from my instructor

erico2k2:

Ok all you need is for you to pay for at least 6 lessons for an instructor to teach you how to

erico2k2:

Bro nah people dey run am, if you th ink something is wrong speak up.and always check your taxcode and pay attention to your P60

You can't understand.. Do you know why freelancers were fighting tooth and nail for them not to implement the ir35 legislation and lump everybody under umbrella company?

There's a soothing effect that IRB 35 and P60 bring sooner or ltr: whether delayed, instant, onspot, aggregated, err, inadvertent...
Just do your own (360) self assessment and be (Boys Scout) be prepared.
Inbtw, I had a +ve and the aftermath HMRC cheque was therapeutic! in that first year.
#matterclosed

MichaelUde:
... Many, many arguments ago, a poster innocently asked if na true say people dey pay tax from their first salary as her first salary was taxed and she bin think say e go reach six months before she go pay tax ...
A nice man informed her say lai lai, HMRC don sharpen knife wait for all man from the first salary. She said thank you and left.
... eventually someone pointed out that even if HMRC doesn't take its pound of flesh from your first salary, you are liable for tax from your very first salary once you earn above the threshold.
... una no get cost of living matters to discuss? Who don notice say even Aldi don add money, for instance?

wonlasewonimi:


You can't understand.. Do you know why freelancers were fighting tooth and nail for them not to implement the ir35 legislation and lump everybody under umbrella company?

Bro why wont I understand, I have been paying tax in the UK for 22 years, I even get pikin wey don begin pay tax sef

semmyk:
There's a soothing effect that IRB 35 and P60 bring sooner or ltr: whether delayed, instant, onspot, aggregated, err, inadvertent...
Just do your own (360) self assessment and be (Boys Scout) be prepared.
Inbtw, I had a +ve and the aftermath HMRC cheque was therapeutic! in that first year.
#matterclosed

Bro that self assessment nor be if you work for yourself ni
if you be PAYE you are at their mercy still. but you an challenge once you get a basic idea of how it works

erico2k2:

Bro why wont I understand, I have been paying tax in the UK for 22 years, I even get pikin wey don begin pay tax sef

It doesn't make any difference if you have been paying for the past 22 years. The question is if you have paid over 45k in a single year?

wonlasewonimi:


It doesn't make any difference if you have been paying for the past 22 years. The question is if you have paid over 45k in a single year?

What a silly question, Do you have any idea what £45k is?

Wahala be like tricycle

erico2k2:

What a silly question, Do you have any idea what £45k is?

Please tell me its too small

Please house, how and where can I deposit cash into my Revolut ?

I brought the cash from Naija.

Thanks

wonlasewonimi:


Please tell me its too small

erm paying as PAYE or Self employed?

erico2k2:

Bro that self assessment nor be if you work for yourself ni
if you be PAYE you are at their mercy still. but you an challenge once you get a basic idea of how it works

Do you know that once you get to a threshold, even under PAYE, you have to submit self assessments? Ericko, you know I like yanking your chains ever since the day of challenger banks.. Go and take a chill pill.