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Marriage/Retirement - Interpretations explained.


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After a lengthy meeting with senior Immigration officials from Regional 4 district, regarding clarifications of the amendments to Order 138/2557 and the new Order 35/2562, I can confirm the following;

Thank you. That clears it up for the – unnamed – immigration office to whose officials you talked. Let's hope that the officials at other immigration offices have an equally good understanding and int

yeah maybe TV could remove the other 25 topics on the same subject

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3 hours ago, Monomial said:

 

Sheryl,

 

If what you are saying were true, then your bank likely would be guilty of money laundering. If you go to your bank, and ask for a credit advice for a transfer, it must show the original, beneficiary from where it originated. What they put in your bank book or on a statement is irrelevant. That is their own internal accounting system. It may very well be domestic from their perspective. But a credit advice will ALWAYS show the actual account it originated from.

 

If your bank doesn't have that information, they would likely get in big trouble from AMLO.

 

The key is to get your statement, mark the specific transactions you want, and then ask for a "credit advice" from your bank on each specific transaction. If it originated overseas, it will show up on the credit advice no matter how it was routed.

 

 

 The transfer to them originated from a domestic commercial bank. How would they know  where that bank received the money from?  Are you saying that the domestic transfer will have contained the information on the money's prior origins? (If so, the whole problem is solved, people can use TW with confidence and no need for those banking elsewhere to change to BB in hopes that all their transfers will be coded FTT).

 

It would be good if someone using a TW and a bank other than BB would get a copy of a Credit Advice to see what info exactly it contains.

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56 minutes ago, theoldgit said:

I currently use TW but I'm one of those who use Kasikorn with their Dummy Branch entry and no other details such as who the deposit was from, before I attempt to open an account with Bangkok Bank, did your contact clarify this?
I think my main concern would be that if I started transferring to a BKK Bank account and then halfway through the year they didn't record one deposit as coming from abroad, then I'm scuppered for my next extension.

 

Thanks very much for taking the trouble to do this and pass on what you've gleaned, I do however share others members views that whilst Division 4 might be taking this approach, others might not, or even indidual IO's.

Before changing banks, get a copy of the "Credit Advice" from your last transfer and see what detail it contains. See discussion above.

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2 hours ago, sumrit said:

 

I know you like to tell people to 'use an agent' Jack but you're scraping the barrel to try and suggest Immigration would reject (some of) the documents the bank supplies that relate to the same request.

You mean like how they once decided to reject all other forms of income verification and insist on Embassy letters? The new order specifies statement and a bank letter only from a Thai bank. Where does it say credit advice?

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I mean simply, on my earlier post, and I don't know if it's okay to say the name but I am talking about Aetna (which was BUPA).... my main reason for having it is that I invest in Thai counters, with tax refunds.  I don't want to keep even as little a million in a retail bank.... and even went so far as to have a Aetna or BUPA card for many years... so that I don't have to worry about not having immediately ready cash for inpatient expenses (and never by the way outpatient which is never at all expensive).  so next year, I cancel my insurance... before I get old and they do anyways, no matter what they say today about always insuring me.  I lost my reason if I have to have a million in the bank most of the time.  Cpat Clinic and Chiangmai Ram know me as a customer already and it would be easy to sign a paper unless my head is konked in. which is unlikely for me, i.e. I drive a 4x4 not a scooter.  

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3 minutes ago, Sheryl said:

I've been getting them for years, always sent to my local branch to collect, I have never had to go to HQ (thankfully). It has been free if it was very recent and yes 100Bt otherwise.

I know Sheryl and your very fortunate.

Taking your advice and experience, I spent 5 hours in a KK branch 3 weeks ago assisting another expat to get this sorted. We were emphatically told this service was for business use.

They didn't refuse to supply credit advices if requested by an individual, but did insist they must be collected and paid for in person at their HQ in Bangkok. His Thai wife even became frustrated negotiating with them.

 

After 5 hours of banging his head against the wall, he closed his account, walked across the road, opened an account at BKK, then contacted his pension providers with the new bank account details.

 

 

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4 minutes ago, WeekendRaider said:

I mean simply, on my earlier post, and I don't know if it's okay to say the name but I am talking about Aetna (which was BUPA).... my main reason for having it is that I invest in Thai counters, with tax refunds.  I don't want to keep even as little a million in a retail bank.... and even went so far as to have a Aetna or BUPA card for many years... so that I don't have to worry about not having immediately ready cash for inpatient expenses (and never by the way outpatient which is never at all expensive).  so next year, I cancel my insurance... before I get old and they do anyways, no matter what they say today about always insuring me.  I lost my reason if I have to have a million in the bank most of the time.  Cpat Clinic and Chiangmai Ram know me as a customer already and it would be easy to sign a paper unless my head is konked in. which is unlikely for me, i.e. I drive a 4x4 not a scooter.  

Very, very unwise thing to do.

 

They will NOT cancel you based on age. Your premiums will go up as you age, but you will not be cancelled.

 

You do NOT need to have 1 million in the bank most of the time. 800/400 if using the lump sum method, less if using combo. And the portion you are required to have in the bank, you cannot withdraw for any purpose, including medical emergency, without forfeiting your next extension.

 

If you are still healthy (no major pre-exisitng conditions) there are better plans than AETNA you can get, better level of cover and guaranteed not to raise premiums based on claim history which is the big issue with ATENA Thailand.

 

 

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3 minutes ago, Tanoshi said:

I know Sheryl and your very fortunate.

Taking your advice and experience, I spent 5 hours in a KK branch 3 weeks ago assisting another expat to get this sorted. We were emphatically told this service was for business use.

They didn't refuse to supply credit advices if requested by an individual, but did insist they must be collected and paid for in person at their HQ in Bangkok. His Thai wife even became frustrated negotiating with them.

 

After 5 hours of banging his head against the wall, he closed his account, walked across the road, opened an account at BKK, then contacted his pension providers with the new bank account details.

 

 

I suspect this was a  local branch problem.

 

I don't ask for them at my local branch, I request them from HQ. (Call center). Never a problem and never told to collect then in Banghkok - and I have done this every year x 10+ years.

 

 

 

 

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All the above is nice information BUT, the bottom line, it still will be up to the individual IO officer as to their interpretation of the rules and how strict they are 2019 renewals as many people will not have 12 months of international transfers to show since this just became a rule.

You say they understand and will be lenient this year, but I hardly doubt it and when they say no, you only have 6 months of transfers, what do you do now???

This is why myself and others will always be nervous about our next renewal extension.

I am married and been here 10 years and have a son. What if they tell me sorry, 12 months or no extension.

I don't have 400,000 to put in the bank.

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4 minutes ago, Sheryl said:

What OP has said is that there are bank statements that can be obtained from bank HQs that provide full detail in a clear manner (free of bank specific codes) and that all banks have been advised of the need for these.

The HQ's have been informed exactly what's required by Imm and it's not a problem for them to issue statements with more detailed information than you receive in a local statement.

The branches though apparently haven't been informed, which is presumably why TI were insistent you should request statements from the HQ at your local branch.

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3 minutes ago, Sheryl said:

I suspect this was a  local branch problem.

 

I don't ask for them at my local branch, I request them from HQ. (Call center). Never a problem and never told to collect then in Banghkok - and I have done this every year x 10+ years.

No, it was the call centre, then confirmed directly by HQ.

The branch were extremely helpful, understood the problem and made every effort to assist.

Perhaps a change in policy since you started obtaining them. 

 

He was taking your advice and personal experience, but hit a brick wall at KK. TIT.

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