UrFears:


Hi seniors,

So I successfully created a classic account with Lloyds. I used the credit score feature on the app and apparently I don’t have any. I think the issue is from my address.

We recently moved to a new place in June and I’ve updated my address in that effect in most places (school, work,Revolut acc), but my I haven’t changed the address with the electoral register..

I’ll appreciate any guidance to start building one🙏🙏

I plan to move my salary account from Revolut to Lloyds, I don’t earn much as a student, but I can save £300 monthly for now after bills..

My major bills include rent contribution, which I pay directly to my sis acc, then transport, groceries and data subscription (I use lebara), I’m think of doing their 12 months contract @ 22.50/month for unlimited data, since they run on vodaphone network and it cheaper than vodaphone plan… I use the data for my phone and PC, since we don’t have a WiFi at our new house.

I’d appreciate every advice 🙏

@Estroller, @Lexusgs430, @kwakudtraveller, @Viruses, @everyone

Get on the electoral roll. Get your name on your bill(s)(water, gas &/ electricity) if you can. Make use of the overdraft facility on your current account if you have one, if you don't, you can apply for one. Apply for a credit builder card( run an eligibility check first) and lastly give it time. All the best.

Estroller:


Get on the electoral roll. Get your name on your bill(s)(water, gas &/ electricity) if you can. Make use of the overdraft facility on your current account if you have one, if you don't, you can apply for one. Apply for a credit builder card( run an eligibility check first) and lastly give it time. All the best.

Thanks boss, I’m on the electoral roll already, though it was when I was at my old address

UrFears:


Thanks boss, I’m on the electoral roll already, though it was when I was at my old address

Update your address on the electoral roll if you haven't done so already.

UrFears:


Thanks boss, I’m on the electoral roll already, though it was when I was at my old address

First, change your address on the electoral register. Then, check for the best SIM price deal on MoneySupermarket and set up a direct debit for your SIM. Next, move your salary to a high street bank. Give it some time, and then check with a credit reference app to see if you’re eligible for a credit card. Once you’re preapproved, get a card and learn how to use it responsibly. After that, give it some more time.

Is GTBANK hacked? Can’t access my account through the website or the app

justwise:
Is GTBANK hacked? Can’t access my account through the website or the app

Yes GTBank is hacked

MonkeySee:


Yes GTBank is hacked

This is serious, i regretted not having more than one Nigerian bank accounts

justwise:


This is serious, i regretted not having more than one Nigerian bank accounts

I just used the app for transfer some minutes ago, and it was successful, no issues at all.

LionInZion:


I just used the app for transfer some minutes ago, and it was successful, no issues at all.

Me too. Absolutely no problems at all

ReesheesuKnack:


Me too. Absolutely no problems at all

💯

justwise:
Is GTBANK hacked? Can’t access my account through the website or the app

I heard they lost their domain website name after they failed to renew its ownership earlier this year. Some sharp persons have taken over the domain ownership and would probably bleed GT before he sells it back to them.

Estroller:


Get on the electoral roll. Get your name on your bill(s)(water, gas &/ electricity) if you can. Make use of the overdraft facility on your current account if you have one, if you don't, you can apply for one. Apply for a credit builder card( run an eligibility check first) and lastly give it time. All the best.

Just a bit curious.... how does enrolling for overdraft facility helps with credit building? Must you utilise the overdraft when you subscribe?

I think it's the other way round... utilising overdraft indicates you are struggling financially... I stand to be corrected... can you please explain
Many thanks

LionInZion:


I just used the app for transfer some minutes ago, and it was successful, no issues at all.

My app has been acting up for weeks now which is why i decided to use the web services and now that end is unusable

sirabbey:


I heard they lost their domain website name after they failed to renew its ownership earlier this year. Some sharp persons have taken over the domain ownership and would probably bleed GT before he sells it back to them.

I used the website last week to send money

justwise:


My app has been acting up for weeks now which is why i decided to use the web services and now that end is unusable

Have you checked it isn't all this thier NIN linking thing sha?

LionInZion:


Have you checked it isn't all this thier NIN linking thing sha?

I suspect that as i;m yet to get NIN linked to the account

I just installed the app on Samsung phone and this time i was able to log in and send money

justwise:


I suspect that as i;m yet to get NIN linked to the account

That may be it then.

oluwaleokey:


Just a bit curious.... how does enrolling for overdraft facility helps with credit building? Must you utilise the overdraft when you subscribe?

I think it's the other way round... utilising overdraft indicates you are struggling financially... I stand to be corrected... can you please explain
Many thanks

An overdraft is a line of credit like any other type of credit (loan, credit card, phone/SIM contract, etc). It's usage will also leave footprints on your credit profile which ultimately is what counts in credit building.

You don't have to use it, but in the case of the OP who doesn't have any form of credit yet, an overdraft could serve that purpose while waiting for other forms of credit to become available.

LagosismyHome:


I went for a baby dedication last week in naija church one of their London branch and the pastor was preaching how it is wrong for a woman to bring anything to the table

That it's biblical that a man is suppose to pay all the bills and anything relating to the house and let the woman keep any money made
BTW this pastor has been in UK for years

I had to smh that you see how some religion are always causing problems . I am sure after the service some couple went home to fight based on that preaching

A lot of these UK Nigerian Pastors are lying charlatans and they are so lazy to go and work hard for their own money that they depend on the multiplier effect of tithes, offerings paid in pounds and also claim the extra gift aid from the tax man as 25% of any tithes their member pays them.

When I was still going to church in the UK, i remember contributing to a fund to buy a car for a so called pastor who later went to prison after being charged with two counts of sexual assault involving two male youths, one of whom was a boy under 16 years of age. The so called pastor pleaded guilty and confessed that he had been battling with his sexuality for many years. He was sentenced in the UK to eight months in prison and placed on the UK sex offenders' register for five years.

Thank God I stopped all forms of congregational religion in 1999.

ALL Pentecostal church Pastors play a game on their women members by preaching that they worship their wives and spoil them silly with holidays, money and luxury gifts. They also tell their women members rose tinted "stories" of how they will bend over backwards to please their wives in anything and how all men should do the same for their wives. This has the effect of softening up these women members who open their wallets and become die hard defenders and funders of these guymen pastors affluent lifestyles.

I heard of a UK pastor who finished paying off his mortgage way before the 25 year term and another one preached that when his son was at Uni in a different city to where he lived in the UK, he bought a house close to the sons uni for him to live so that he will not have to suffer and at that time I was a trainee accountant cum mini cab driver who was still gullibly paying tithe from mini cab earnings and struggling while studying and trying to support a young family.

So, it was OK for me to suffer as a student but the "so called" pastors son was not cut out to suffer as a student ? The same pastor has installed his wife and latterly the said son as the leader of the church in the UK even though the son lives in Nigeria. Family affair.

Thank God I stopped going to any church in 1999.

Jeremiah 6:13 :- From the least to the greatest, their lives are ruled by greed. From prophets to priests, they are all frauds.

nolarex:
Hello all, I’m confused and need all the advice I can get please.
I am a single mom of 1, haven’t been able to work much because it has been a struggle getting something that can fit into my child’s school schedule.
I currently have about £20k and I want to open an African store. The area where I am has a large black population. My confusion is that I am worried if this business can comfortably pay my house rent PLUS shop rent which will total about £2k every month. Does anyone have an idea please help me out of my mystery as I really want to start something so I can comfortably pay my bills.
Thank you.

Don't venture into renting a shop in the UK in addition to paying house rent. The £20k will not last as most commercial premises will ask for 3 months rent plus 3 months deposit PLUS 20% VAT and this is before you buy stock and pay your rent. If you were a man, i would have suggested buying a second hand Van maybe less than £3K, rent a secure spacious ware house or lock up garage and import non perishables from naija e.g cartons of Malta guiness, Guiness beer and bottled palm wine from Naija and use the van to deliver to naija restaurants around you.

Your best bet is to "properly" register with your local council a takeaway business from your home address (thus cutting out business rent), then register with deliveroo, just eat and uber eats, paste photos of your dishes on their sites, adjust your prices upwards to factor in the 30% charge these websites take, buy some Naija foodstuff and tentatively start cooking 10 plates to start with and gradually increase the quantity you cook and the good thing is that the food will never spoil as you have a freezer and most people who order cooked food online are not really fussy if you just defrosted the food you sent them in the microwave as long as the food is tasty.

If no be say I be man and I no longer like cooking or washing pots, I for do this same online food business as on the long run, no paid employment can beat it IF your food is good.

Hello Everyone here,
For people who has applied for a USA tourist visa from the UK?
Please from experience, is it okay to book hotel or declare I will be staying with my Uncle during my visit? Which one has better chance of approval.

Please anyone who has the right information to apply for a Tourist visa to the USA from the UK, please tell me
I intend applying with my child
Many thanks

Ilekokonit:


A lot of these UK Nigerian Pastors are lying charlatans and they are so lazy to go and work hard for their own money that they depend on the multiplier effect of tithes, offerings paid in pounds and also claim the extra gift aid from the tax man as 25% of any tithes their member pays them.

When I was still going to church in the UK, i remember contributing to a fund to buy a car for a so called pastor who later went to prison after being charged with two counts of sexual assault involving two male youths, one of whom was a boy under 16 years of age. The so called pastor pleaded guilty and confessed that he had been battling with his sexuality for many years. He was sentenced in the UK to eight months in prison and placed on the UK sex offenders' register for five years.

Thank God I stopped all forms of congregational religion in 1999.

ALL Pentecostal church Pastors play a game on their women members by preaching that they worship their wives and spoil them silly with holidays, money and luxury gifts. They also tell their women members rose tinted "stories" of how they will bend over backwards to please their wives in anything and how all men should do the same for their wives. This has the effect of softening up these women members who open their wallets and become die hard defenders and funders of these guymen pastors affluent lifestyles.

I heard of a UK pastor who finished paying off his mortgage way before the 25 year term and another one preached that when his son was at Uni in a different city to where he lived in the UK, he bought a house close to the sons uni for him to live so that he will not have to suffer and at that time I was a trainee accountant cum mini cab driver who was still gullibly paying tithe from mini cab earnings and struggling while studying and trying to support a young family.

So, it was OK for me to suffer as a student but the "so called" pastors son was not cut out to suffer as a student ? The same pastor has installed his wife and latterly the said son as the leader of the church in the UK even though the son lives in Nigeria. Family affair.

Thank God I stopped going to any church in 1999.

Jeremiah 6:13 :- From the least to the greatest, their lives are ruled by greed. From prophets to priests, they are all frauds.

lol you stopped since 1999? What was the turning point for you?

I was disappointed with myself that I didn’t stop earlier, I did not listen to my inner self for years as I go through experiences in Nigerian churches here. This is my personal experience as the journey is personal, some other people in my family have different views but they still go to church because it’s natural to do that from childhood. I could not reconcile the reality with what is happening in the church.

I saw a video of a Nigerian pastor boasting how he brought his 3rd private jet during COVID and that he didn’t want COVID to end and church members are clapping for him.

justwise:

lol you stopped since 1999? What was the turning point for you?

I was disappointed with myself that I didn’t stop earlier, I did not listen to my inner self for years as I go through experiences in Nigerian churches here. This is my personal experience as the journey is personal, some other people in my family have different views but they still go to church because it’s natural to do that from childhood. I could not reconcile the reality with what is happening in the church.

I saw a video of a Nigerian pastor boasting how he brought his 3rd private jet during COVID and that he didn’t want COVID to end and church members are clapping for him.

Later you'll be boasting that you are a Christian. Try it again.

Viruses:


Later you'll be boasting that you are a Christian. Try it again.

Yes i'm a Christian, do you think that going to church makes you a Christian?

justwise:
I will leave this page blank for any relevant info

Please guys advise me.

I want to write my ielts academic in uk to practice.
Suggest good ielts class i can join in uk to pass as I have written two times (one in Nigeria and one in uk).

I observed that writing in uk or naija is similar but marking may differ.

Please advise me for a success in next writing.

Estroller:


An overdraft is a line of credit like any other type of credit (loan, credit card, phone/SIM contract, etc). It's usage will also leave footprints on your credit profile which ultimately is what counts in credit building.

You don't have to use it, but in the case of the OP who doesn't have any form of credit yet, an overdraft could serve that purpose while waiting for other forms of credit to become available.

Well explained
I perfectly understand your point.
Thanks alot

Ilekokonit:


A lot of these UK Nigerian Pastors are lying charlatans and they are so lazy to go and work hard for their own money that they depend on the multiplier effect of tithes, offerings paid in pounds and also claim the extra gift aid from the tax man as 25% of any tithes their member pays them.

When I was still going to church in the UK, i remember contributing to a fund to buy a car for a so called pastor who later went to prison after being charged with two counts of sexual assault involving two male youths, one of whom was a boy under 16 years of age. The so called pastor pleaded guilty and confessed that he had been battling with his sexuality for many years. He was sentenced in the UK to eight months in prison and placed on the UK sex offenders' register for five years.

Thank God I stopped all forms of congregational religion in 1999.

ALL Pentecostal church Pastors play a game on their women members by preaching that they worship their wives and spoil them silly with holidays, money and luxury gifts. They also tell their women members rose tinted "stories" of how they will bend over backwards to please their wives in anything and how all men should do the same for their wives. This has the effect of softening up these women members who open their wallets and become die hard defenders and funders of these guymen pastors affluent lifestyles.

I heard of a UK pastor who finished paying off his mortgage way before the 25 year term and another one preached that when his son was at Uni in a different city to where he lived in the UK, he bought a house close to the sons uni for him to live so that he will not have to suffer and at that time I was a trainee accountant cum mini cab driver who was still gullibly paying tithe from mini cab earnings and struggling while studying and trying to support a young family.

So, it was OK for me to suffer as a student but the "so called" pastors son was not cut out to suffer as a student ? The same pastor has installed his wife and latterly the said son as the leader of the church in the UK even though the son lives in Nigeria. Family affair.

Thank God I stopped going to any church in 1999.

Jeremiah 6:13 :- From the least to the greatest, their lives are ruled by greed. From prophets to priests, they are all frauds.

I must have seen you in canning town........ 😜😁

The name of God is simply now a game...... And people are setting their own rules, whilst the gullible sheep (just follow).... Without asking probing questions or have the dare to oppose or confront this marademonic MOG........

justwise:

lol you stopped since 1999? What was the turning point for you?

I was disappointed with myself that I didn’t stop earlier, I did not listen to my inner self for years as I go through experiences in Nigerian churches here. This is my personal experience as the journey is personal, some other people in my family have different views but they still go to church because it’s natural to do that from childhood. I could not reconcile the reality with what is happening in the church.

I saw a video of a Nigerian pastor boasting how he brought his 3rd private jet during COVID and that he didn’t want COVID to end and church members are clapping for him.

Same pastor talked about a member of his congregation, praying in a German airport toilet, and reappearing in France.......

Or

Raise your phones, for miracle alerts....... Our people have been brainwashed..... 😁

Lexusgs430:



Same pastor talked about a member of his congregation, praying in a German airport toilet, and reappearing in France.......

Or

Raise your phones, for miracle alerts....... Our people have been brainwashed..... 😁

Yes the same charlatan, his gullible members will defend him with the last drop of their blood. Nigeria is truly screwed because these fraudulent pastors are more powerful than politicians

justwise:


Yes the same charlatan, his gullible members will defend him with the last drop of their blood. Nigeria is truly screwed because these fraudulent pastors are more powerful than politicians

I feel truly pained, because my mother is also fully brainwashed by this snakeoil salesmen......

She must think by constantly dropping all her available funds to them and their fellow rogues, this would guarantee her a golden ticket into heaven........ 🎫😇😊

If i had my way, I would have placed her on some form of financial safeguarding.....

Lexusgs430:


I feel truly pained, because my mother is also fully brainwashed by this snakeoil salesmen......

She must think by constantly dropping all her available funds to them and their fellow rogues, this would guarantee her a golden ticket into heaven........ 🎫😇😊

If i had my way, I would have placed her on some form of financial safeguarding.....

I share your pain, my late mum was like that, when she died and i traveled to Nigeria for her burial, before i got to the village my elder sister and brothers have gone through her stuff, they found a lot of receipts from the church of things she paid for even when she wasn't attending church because of ill-health but she was still paying for all sorts of things.

The church still send us list of things to bring so as to officiate her burial. I was livid honestly and told my elder brothers to ignore them but they refused because that is how things are done.


This guy is on point
https://www.youtube.com/watch?v=06vcpluwSi4