I agree with diapickle about using google and ukvisas. Stick to the official sites. Ukvisas is run by the UK Home Office (the department responsible for immigration).

This page shows that as a Ghanian you would normally require a transit visa (Direct Airside Transit Visa).

http://www.ukvisas.gov.uk/servlet/Fr...=1020786334922

This shows that you are exempt: (look under "Am I Exempt from the DATV Requirement")

http://www.ukvisas.gov.uk/servlet/Fr...25559336313#Q2

Now in your case, you are changing airports. So you would need a visa as visitor in transit (rather than airside transit visa).

If you look further down under "Do I qualify for transit without visa", it says that you do:

"If you are a visa national or a DATV national who is exempt, you can transit without visa if .....arrive and leave by air within 24 hours and have no intention of staying in the UK (you can travel by rail or road between two airports); and have a confirmed onward booking that will leave within 24 hours of your arrival in the UK"

It seems you are OK! But do read it carefully to ensure you're happy with my interpretation.

Now... I suggest you print this stuff out and take it with you. It might be useful at check-in at Toronto. Check-in staff do not always know the rules, and might deny boarding if they think you're not entitled to enter the UK.

Frankly, I would forget the "word on the street" about UK immigration - or at least not let it prejudice your approach to them. I've seen them behave rudely to a white businessman, meanwhile all my non-white contacts have never had a problem. London seems to be awash with Ghanaian trainee accountants at the moment, so clearly some make it through! In my experience, most people that complain about UK immigration either have a bad attitude on arrival or can't face the fact their true reason for entering the UK was not as on the paperwork and they got found out.

Anyway, Terminal 3 (if that's where you are arriving) is an awful place and a national embarressment in my opinion.