NewStats: 3,265,415 , 8,186,663 topics. Date: Saturday, 14 June 2025 at 08:15 PM wjw

Sixfeetbelle:
I know this has been discussed before, so pardon me. First time renting and I want to get it right.

Already viewed and LL accepted. But before I commit to paying the holding deposit, are there particular things I should take note of? Like what to look out in the documents I am given and whatnot. What to be mindful of concerning the property?

Thank you.

A few salient things to note:

- EPC rating : C and below (C, B or A). EPC of D is only advisable as a temp solution.
- Council tax: A is cheapest (that should guide you).
- Ensure you make a video & take pictures of the apartment the day you move in.
- Ask for the Electrical Installation Condition Report (EICR), Gas Safety Record Report (GSR) & Legionella Risk Assessment Report (LRA): even if you don’t understand the technical , make sure everything is certified OK on the reports.
- Ask for the Inventory and cross check it with what is in the apartment.
- Take your meter(s) readings and call the energy supplier that day to inform them of your move in date and readings. You can decide to switch or remain with them but ensure you give them that readings.
- Don’t choose a fixed contract in the first 2/3 months. Understand your usage & bills before going for Fixed.

Saw this on a walk (Glasgow). I know the APR will be high for an offer like this, but does anyone know the APR range? And what are the cons?

Lexusgs430:


Did her dog also get a visa....... If not, who
emotionally ed , mama + dog, during month's of separation.......😜🤣

Lol, it means she will leave on time to go and be emotionally ed in Naija😂

Joyglo:
I have seen 3 dependents for student that came in September 2023 switched visa oh. What's happening? Is it that we misinterpreted UKVI or UKVI nor know wetin them dey talk/do

Every dependant should try and switch visa as soon as possible before Spring 2024. The student can them whenever they finish their studies.

mayowa94:
Hello
Please to those that have invited their parents to the UK;
1. Can I apply for visiting visa for my mum while living in 2bedroom apartment with a kid?
2. Is there any income cap for visa to be approved?
3. Kindly suggest the basic things to aid visa approval.

Thank you in advance.

1. You can.
2. Not really, just show consistent income and add your offer letter + 6 months payslip.
3. I added my house contract, bank statement (£2,500 bal), AMEX credit card statement, her cover letter, my invitation letter, birth certificate, our pictures together, her CAC docs + pictures of her in front of her 3 shops, picture of her and her dog (emotional animal), her 4 months bank statement (N500k bal), letter from her Pastor.

She was denied visit visa to 2 Schengen countries this year, but UK gave her the 6 months visa.

Lexusgs430:


If she is already ed with the GP.......£0.00

She is visiting, and the practice only took her name, DoB, my address, phone no, her address in NG. Would it still be chargeable?

Oga Lexusgs430,

I took my mum to A&E and then to GP because A&E say na GP matter. No stayover, no tests, only consultation.

How much should I be expecting, let me start saving up?

Blacklion3:
Davide470 good morning sir

Good morning

justwise:


Justwise is a man.

Lol I will hid your comments o. Justwise and Co.

Lilipo:


===========≈==========================
I don't quite agree with you however I respect your opinion.

I have a fantastic credit rating, being chased regularly to apply for credit cards and more credit cards with this approach.

If you read my response, I have tailored it for a new person applying for a card. They don't tend to give long term offers to people with no credit history. Someone like me, I can get up to 30 months interest free on purchases and balance transfer because of my credit rating. I wouldn't cancel before 30 months expire, would I?

Be emotionally intelligent, please and try to read carefully. Clarify if unclear before you make conclusions. It will go a long way.

Because you have a "fantastic credit rating" and being chased to apply for credit cards does not mean people (especially new entrants) should get interest free credit cards and cancel every 3 - 6 months. It might have worked for you but that does not mean in entirety that it is the right thing to do as a new comer.

The same way someone earlier inferred that, as they got post study visa within 2 days, that should be the norm.

Also, as I don't agree with your opinion, you don't have to agree to mine. So your last line was totally superfluous

Lilipo:


===================================
Getting the right credit card can be tricky. I would suggest that you look for a credit card that has interest free purchases for a few months, even if its 3 months. You pay back what you spend. After 3 months, for example (and that is if the promotion is for 3 months), you stop using the card, after paying back in full and leave it for another 3 months, totalling 6 months. Cancel the card and try again for another card with interest free purchases. This way you don't pay the interest. You have to be smart with money!

Been using AMEX and Vanquis for about a year now and I have not paid any interest on them. Cancelling cards and re-applying for new ones because of interest free purchases is not being smart with money, it is recklessness and it is not a good way to build credit history/credit score.

Plugging this here for others:
1. https://americanexpress.com/en-gb/referral/dAVIdEzYpk?XL=MNMNS (5,000 Avios if successful)

2. https://www.vanquis.co.uk/raf-app?code=C451F46B8165EA9CC9E1 (We both get £25 if successful)

AgentXxx:
Well done bro, My friend called me last weekend and told me the council didn’t reply the mail but have sent a letter instead granting them exemption 😀 so it worked. Thanks once again bro.

You are welcome. I have gotten plenty positive s, so please share to anyone and everyone.

heroshark:
Egbons in the house.

Please has anyone invested in Gtbank Dollar fund? According the advert they offers over 8% interest rate. That's far better than you can get in any UK bank, it can even out perform S&S ISA.

The fact that it is dollar dominated mean offers additional protection to the naira rollercoaster madness.

As an ex-investment banker, I will tell you that it is just a catchy advert.

1. Earn up to 8.09% - no guarantee that it will be up to 8.09%. It is not a fixed rate and it is subject to prevailing market conditions (US interest rate is currently 5.5%)
2. Interest is gross - subtract tax, management & interest fees, net interest rate might be 4% -5% or lower

eniola1010:


Ehn ehn my own is suppose to show this way too instead its showing 0. It is even showing that i did not pay tax at all

You need to call HMRC then

eniola1010:


I want to ask something, before u got the refund, could you see it on ur hmrc profile that a refund awaits you?

Yes, you will. It will be updated as 'You paid too much Income Tax' and the payment to be refunded.

Answers in red.

Schoolhike:
Please I just need a clarification on this student visa.

Q1. Can a student visa (MA) become a dependent of (Skilled worker) while course is still ongoing?
A1. Nope. This was stopped in July. Student must be a student till the school says they are done.

Q2. Can a student visa holder for course starting September 2023 still apply for dependent visa for the spouse.
A2. Of course. Tier-4 dependant visa for non research Masters & non PhD programs ends in Jan 2024

AgentXxx:
Goodday Sirs/Mas, please is there any update that full time student and dependent have to pay council tax because a friend of mine have been having issues on this with Croydon Council oo, I have checked everywhere and I can’t find anywhere it says student is entitled to 25% while dependent will pay full. Please advise me oo as I have been telling them to ignore any threat mails they send to them.

Thanks in advance.

On this, I helped draft the email below and so far, I have had 100% success rate from people I shared with. Let the student send this to the council ccing the partner.

Good evening,
My name is xx, a full-time international student at xx University and my partner's name is xx.
I reside at xx. I had initially requested a council tax exemption as a full-time student but was told my partner is a liable party for council tax because he is not a full-time student. We received the attached bill to this effect for the period xx 2022 - xx 2023 wherein it was split into xx equal installments.

However, Article 3 of the Council Tax (Exempt Dwellings) Order, SI 1992/558 provides that 'A dwelling is exempt from council tax if it falls within any of the following Class N: a dwelling which is either:
(a) occupied by one or more residents all of whom are relevant persons;
(b) occupied only by one or more relevant persons as term time accommodation.

A relevant person means:
(i) a student;
(ii) a student's spouse or dependant being in each case a person who is not a British citizen and who is prevented, by the of his leave to enter or remain in the UK, from taking paid employment or from claiming benefits or (iii) a person to whom Class C (school or college leavers) of regulation 3(1) of the Council Tax (Additional Provision for Discount Disregards) Regulation 1992 applies.

From the foregoing, please note that I belong to category a(i) I am a student and my partner belongs to category a(ii) he is the spouse of a student. We are both non-British citizens and his visa prevents him from claiming benefits. Subsequently, we qualify for the 100% council tax exemption.

Furthermore, please see below links citing cases whereby 100% exemptions were granted to student dependants by the Court:
https://www.casemine.com/judgement/uk/5a8ff72860d03e7f57ea8dcf/amp
https://www.lawgazette.co.uk/law/local-government/65852.article

We look forward to your kind response..


Councils dread court cases most times as it does not make sense to be dragged to court for £150/m tax.

joe10:

Please, i am confused here. Do you mean that when the MA is schooling while the dependant gets a job with COS and intends to be the MA for ILR, ILR start counting from when the dependant (new MA for ILR) starts working or when the former MA (new dependant for ILR) gets a job with COS?

You are mis-interpreting the statement. When you get a Tier-2 visa and you have a partner, technically you become the MA and your partner becomes a dependant if they decide to apply under you.

Therefore, to get ILR in 5 years, you that got the Tier-2 must be the MA for 5 years, and your partner must be a dependant for 5 years. That's all.

igbsam:


Someone who got sponsored in healthcare, then decides to switch to tech.

You can be an electrician on Tier-2 and get sponsored as a doctor and it would not reset.

The rule of thumb to get ILR within 5 years once you get a Tier-2 is:
- Once a Main Applicant, always a Main Applicant.
- Once a Dependant, always a Depandant.

ExpertNLer:
that's the nature of the market. Downstream pay is not terrible, it is actually fantastic - it is upstream pay that makes it look terrible

Love the way you worded this. The pay structure and modalities for Upstream, Midstream, Downstream, Renewables differs at the HQ, so it is replicated globally.

Congrats to all the new NLNG employees. Go break a leg!

Toshtos:
Guys where are we watching this year's BBNaija please

Showmax.
Get someone from Naija to for you using your NGN bank , you pay N2,900 monthly.
here and you pay £6.75 monthly.

Choice is yours.

Peerielass:


Not sure what point you are trying to make here. Every tax payers money is pumped into NHS, Education, Welfare, State Pension etc irrespective of whether they are BC or immigrant. How about BCs who dont have children (by choice) or those that chose to educate their kids privately - should they begrudge the govt for using their taxes to fund other people’s children’s education? There are also BCs that have never used the NHS before. Some of these folks also can’t claim benefits (not even child benefit which is the easiest to claim) because they earn above the threshold for benefits.

If anything this funding analysi shows the UK government is able and transparent. Do you have any idea what the Nigerian government uses the tax payers money for?

Edited to add… when all the new immigrants on this thread eventually get their ILR and citizenship, then you will realise that the job of the guys at Downing Street is to screw you over with their fiscal policies and it’s irrelevant whether you are immigrant or BC, we all have a common enemy.

I like you. You will be a good MP

elengine:
People of God oh. Two things that I need your guide on:

1. I work in a multinational company here in the north(smiles) and they are giving me a credit card in my name and to be delivered to my home. My question is, will this card contribute to my credit score even though it is issued through my employer but in my name and my address. The essence of the card is for me to use any time I want to embark on a journey as an auditor. I can also use it to make some purchases as long as it is business related and my employer will be responsible for funding or replenishing it.

I have a similar arrangment with my firm though I am not an auditor. It doesn't increase your credit score as it is not technically ed to you, but I have indirectly enjoyed some delay compensation payment from Avanti & other Train lines

Someone also mentioned TopCashback and I would say that is a very good platform. I have garnered a few £s on it using the firm's card for business purchases of course . If you wanna and get cashback on your purchases, go here = TopCashback

I always look forward to semmyk detailed, 'legalistic' comment on every situation! Tuale baba!. I am glad we have you here.

OP @ojtopsy, if you are still asking questions on what to do after this, then you are definitely not serious. Sit down, go through the comment and links therein.

hyzich:

Their review is not encouraging on appstore

I have done a total of £3k through their app and gotten £34 referral bonus with zero hitch in service. So my review would be quite different from those on Appstore, mate.

hyzich:
Hi All,

Lemonade rate is really low even when usdt is already been sold at NGN750 per coin. Please i need suggestions for any other platform with good rate?

Rates are dropping on the back of the fake "naira devaluation" news. Check this link = OneAfrica Pay

Rate is N925/£1. You get £5 for your first transfer

Lolli2pop:


I have never flown turkish, how was your experience please? Would you recommend?

I was 15mins late for boarding and they made me miss my Introdution. First thing those fvckers at the stand asked for was what port do I have?? Since then, I have had a personal, racist, judgemental notion about them.

Just needed to mention as everyone was singing kumbaya

kwakudtraveller:

I heard about someone who got a job as a BA and quit in a few months because they couldn’t cope. They said that all the meetings they attended sounded like jargons to them. There are too many so called experts selling short courses and bootcamps that is not a true picture of the real world setting. They are just selling theoretical templates and not practical work which takes a while to master.

Sometimes, it has to do with determination. For every 1 failed BA. there are 5 more pushing through and mastering the ropes.

Most people love the idea of being called a Business Analyst without fully understanding what it entails. I won't blame the short courses sellers though.. they are proviiding the needed frontline soldiers for a war that might not end tomorrow. The good thing from that is - to be a Captain or a General, you must have survived from the frontlines!

nymphomaniac:
Hi guys. Please what app can I use to send GBP to UK from Nigeria?

Check this link = OneAfrica Pay

Rate is N947/£1. You get £5 for your first transfer

justwise:


I suggest you carry on paying those bills and rent and allow her to recovery from all the money she spent. At least you still have little left after paying bills.

She did not bother you when repaying the loan so you need to repay her now.

I agree with jw here. Pay all the bills for the next 3 - 4 months. Don't argue or complain or nag or grumble, then bring the bills sharing discussion to her afterwards.

@Godaloneisable

Lexusgs430:



We have some banks ....... You use them, for what they are best at ..........

Revolut gives you more interest, than your traditional high street banks ..........😛

Travel abroad, use your revolut card (as if you are a local).......🤣😂

For Challenger banks, Wise gives more interest, higher security checks, no 'bloØdy crypto', multiple currencies etc.