NewStats: 3,264,446 , 8,183,739 topics. Date: Wednesday, 11 June 2025 at 06:45 AM 1l4316z3e3g |
Living In The Uk-life Of An Immigrant (part 3) (971999 Views)
ehizario2012: 7:00am On Nov 12, 2023 |
Progressivegee: 535/710, borrowing power<2/10 - totally money Experian - no records Seems I have to start building my credit score now... That's the advice I should be asking for, my credit profile now is faint... |
ehizario2012: 7:08am On Nov 12, 2023 |
ehizario2012: Should I start with converting my lebara sim to 12 months rolling contract via direct debit? Or anything better/more practical please... Before I start watching those many YouTube videos on credit score building techniques... Thanks in adv |
Progressivegee: 9:09am On Nov 12, 2023 |
ehizario2012:. Thats good. You can find how to build your credit score on this thread. It's been discussed extensively here |
bns4eva: 9:33am On Nov 12, 2023 |
tushqueen: Hi, sorry i just saw you have sent me a private mail. I dont have access to the email.. |
solveabode(m): 11:53am On Nov 12, 2023 |
Thanks for your response. Yes you're right probably I didn't compose my thought well. The question is if it worth it. As for affordability, I can. dubaiprince: |
Lexusgs430: 12:00pm On Nov 12, 2023 |
dubaiprince: Imagine that £50,000, went towards mortgage payments......(plus £15,000 equity gained) .........🤣😂😜 Don't mind me o .......🔥😁 |
solveabode(m): 12:06pm On Nov 12, 2023 |
Thanks. I can move to another lender after the fixed 2 years. The name is Foundation home loans. koonbey: |
Estroller: 12:24pm On Nov 12, 2023 |
solveabode: Halifax will lend with < 2 years residency but for 75% LTV, so if upping your deposit is an option you can explore. |
Zahra29: 12:28pm On Nov 12, 2023 |
Lexusgs430: true...and the victims there would be too scared to speak out because of the stigma and victim shaming. Another rape case by another student, this one actually gloated about his actions: https://www.google.com/amp/s/www.walesonline.co.uk/news/wales-news/rape-woman-toilets-fiction-club-28038119.amp I hope these individuals realise that they will be automatically deported as soon as they are released from prison. |
Phenmeson(m): 12:41pm On Nov 12, 2023 |
lavida001: Regarding Esusu or Ajo, my advice is make Una dey careful. Not everyone get legal status lyk Una or with positive mindset. Some go into it to just pack all d money and japa go 9ja. Lastly regarding the transfer, some bank's will definitely put restriction on your if you try to pay out a huge amount. You will start explaining of how you get the money and who you are transferring it to . Gud luck |
solveabode(m): 12:53pm On Nov 12, 2023 |
Bro e no easy. Even the 15% self, gifted deposit dey among. Even Lloyd's Bank lend 1 year residency at 25% deposit. Estroller: |
Lexusgs430: 12:57pm On Nov 12, 2023 |
Zahra29: The Nigerian crime dynamics is changing, at an alarming rate ....... The police would laugh you out of their station, if you reported a 9ja person was involved in rape...... But report credit card fraud or any financial crimes, a statement would be sought.......😜😁 1 Like |
justwise(m): 1:01pm On Nov 12, 2023 |
Zahra29: Its important to take note of this section of the case and during the evening the defendant and a woman had been kissing. The woman, who was described as "heavily intoxicated", later went to the toilet and the defendant followed her. In the toilets Oriaku raped the woman in one of the cubicles. The fact that they were kissing before she went to the toilet gave him the impression that the sex was consensual. Sex with a girl while drunk is not considered a consensual act and this is something many new immigrants failed to take note of here. 4 Likes |
Zahra29: 1:53pm On Nov 12, 2023 |
justwise: Well said. Rape is rape, there are no tiers to rape based on if the woman was drunk, "flirting", wearing a short skirt, or even if she had been kissing the man or had had relations with him previously. If she said no at the time, or didn't/couldn't give consent, then it's rape. Regardless of her age. And the reality is the law tends to come down more heavily on the side of a white woman against a black man/immigrant, so extra caution is key. |
dubaiprince: 2:30pm On Nov 12, 2023 |
Lexusgs430: My oga let me mind you o. 2025 will not me by. The LISA wey Rishi don help me keep sef don do. Lol |
justwise(m): 3:37pm On Nov 12, 2023 |
Zahra29: That is sad but you are absolutely right |
lavida001: 3:56pm On Nov 12, 2023 |
Lexusgs430: What’s the name you call rent again? Guys let’s come together and talk about this rent thing. I have paid over 10k on rent for a single room and each time I think about it it gets me very mad. How do we break free cos I can’t continue paying this money monthly. |
Jblastz: 3:57pm On Nov 12, 2023 |
justwise: |
Jblastz: 4:00pm On Nov 12, 2023 |
lavida001: I want to know too. Though I'm talking here for the 1st time but I have been following this page for 2 years. I'm on this same rent table as you are. How can we break free? |
lavida001: 4:00pm On Nov 12, 2023 |
Zahra29: In summary don’t sleep with a woman who has been drinking. Even if you want to make sure you record it when she gave the consent either through Voice note or video. |
Jblastz: 4:02pm On Nov 12, 2023 |
lavida001: Consent from a drunk is no consent 2 Likes |
Zahra29: 4:35pm On Nov 12, 2023 |
lavida001: Lol why are you mad? Isn't your rent providing you a place to live and a base from which to work/study? Isn't paying rent a normal occurrence in nigeria, and very high rents at that in cities like Lagos and Abuja? While it should remain a firm aspiration to own one's home in the UK, renting until you get there is perfectly normal and part of the process/journey for millions. It takes time to build up a deposit, excellent credit rating and other factors, so don't feel pressured into buying a house (the biggest purchase most people will ever make) in a short time after moving to the UK. It's similar to how people jumped onto the bandwagon of trying to acquire one or several credit cards within a couple of months of arriving the UK, some without the basic understanding of how credit works and many damaging their credit file in the process. Some things take time and in the meantime work hard, save hard and acquire the relevant knowledge. 11 Likes |
bigtt76(f): 5:37pm On Nov 12, 2023 |
1. Credit Ladder sign up using my referral https://www.creditladder.co.uk//4kN2nMj0DmjpABDL) ...its free and one of the quickest ways to get yourself on credit score sheet ehizario2012: 1 Like |
lavida001: 5:40pm On Nov 12, 2023 |
Zahra29:Everything just hard for this Uk. Work hard, pray hard, study hard. God abeg |
Viruses: 6:50pm On Nov 12, 2023 |
lavida001:Depending on the amount, solicitors may question it if you want to get a mortgage. But there is no problem, just prove the source, you can get bank statement and explanation from the sender(s) I believe. They usually ask for 6 months statement so you may be safe if the transaction is over 6 months. In my case, they demanded an explanation for a £1,250 credit in my that took place in July. |
hustla(m): 6:59pm On Nov 12, 2023 |
Taal17: 7:02pm On Nov 12, 2023 |
justwise:Actually I'd say they know fully well it's rape. One of the clear and prevalent evidence for rape in Nigeria is getting the victims HIGH or unable to resist whether using drugs or drink. They know fully well whether in the UK or Nigeria. |
lavida001: 7:03pm On Nov 12, 2023 |
hustla: I still dey wait for your number agba chat gpt |
Viruses: 7:05pm On Nov 12, 2023 |
Lexusgs430: By now, e for fit remortgage, collect the 75k use as deposit or even complete purchase of another BMV house. Upgrade the BMV house use as short let apartment dey collect £40 - £50/night. Na just say person no fit stay under bridge as e enter this country so no too think am before imagination kee person 😀 1 Like |
hustla(m): 7:14pm On Nov 12, 2023 |
Taal17: 7:39pm On Nov 12, 2023 |
Zahra29: Thank you for this, 1 Like |
Lexusgs430: 7:49pm On Nov 12, 2023 |
Viruses: It's not to put anyone under pressure......... But simply, something that people MUST be thinking about ....... Why continually pay your landlord's mortgage..... RENT MONEY IS DEAD MONEY......😁😂 Someone phoned me month's ago,..... He has been renting for over 3 year's, rent was £1500 pcm ....... He saw a letter from his landlord's mortgage company.... LL's mortgage pcm was £375.00 ...... If you fancy sponsoring your LL's holiday's, paying for his P vehicle etc etc ....... Keep paying rent ........🤣😁 Don't build a house in Nigeria, whilst been a tenant in the UK ......😂😜 1 Like 1 Share |
Canadian Express Entry/federal Skilled Workers Program - Connect Here Part 7
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