chang50

2 hours ago, Jip99 said:

 

 

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/190989/OS_Payment__Instruction_07.13.pdf

 

 

 

 

 

 

 

 

 

 

PassportPaymentInstruction.pdf 249.81 kB · 0 downloads

Thanks again..

3 minutes ago, Jip99 said:

 

 

Anyone can pay on your behalf..... have a look at the website for the card payment authority.

Thanks that's one less thing to worry about..

Thinking ahead I will need to renew my UK passport in Bangkok next year and my only UK card is a NW debit card.Hopefully procedures will be clearer by then but still a worry.I've heard it is possible for a friend or agent (for a fee) to use their UK card to pay on your behalf is this correct?

23 hours ago, Moonlover said:

In what way did NBS screw up your remittances to TransferWise? I've been using this method for almost a year now. 22 transfers, all perfect.

 

This morning I tried twice unsuccessfully to remit to transferwise the only thing I did differently was choose the new 'open banking' option.Each time 'invalid account' came up as I tried to log in.I have contacted  Nationwide via secure message about this and await their reply..

41 minutes ago, Moonlover said:

Ok folks. Regarding OTPs via SMS. Nationwide have been very helpful today and I've received an answer to queries that have been aired. And this it:

 

''At this moment in time, Visa aren't able to send these out to overseas numbers. The current solution is to give us call, either on 0800 30 20 11 or on +44 1793 656 789 if abroad, if you are asked for an authorisation code for an online purchase and you do not receive the text.

 

Please rest assured, we are developing other methods to combat this which we plan to release in due course, such as a code being sent via secure message, or using your card reader code as authorisation.

 

If there is anything else I can help you with today, Peter, please do let me know by replying to this message and I'll be more than happy to help''.

Kind regards,

 

I also received this from the credit card administration with regards to on-line transactions.

 

However, the ‘OTP’ is generated by Verified by Visa as a part of their security measures in the real time and that ‘One Time Passcode’ can and will be delivered to a U.K. registered mobile number only. We are very sorry for the fact that you were not made aware of this in our earlier reply. Please provide a U.K. based mobile number if you wish to be receiving the ‘OTP’ otherwise just confirm the amount of the transaction along with the name of the merchant and we can bypass the ‘OTP’ stage of the transaction.

 

So there you have from the horses mouth, so to speak.

Thanks for that useful info.

31 minutes ago, steve73 said:

They may not let you renew any credit cards you may have with them unless you have a UK address.. if you change back you'll need to be there for minimum 12 months - that was why I changed my address with them from T/L back to UK, although never needed to actually use the CC (but it's nice to have, and essential to hire a car in the UK, afaik).

Thanks but I don't have any credit cards just a debit card.

5 minutes ago, lelapin said:

I think I will also do that next month. Please post if you have a problem.

I changed my address online with a card reader after asking via the message section.Originally they said my Thai mobile seemed incorrect presumably as it didn't match my UK address and home telephone number.I will keep TV posted of course.

On ‎4‎/‎15‎/‎2019 at 7:45 PM, steve73 said:

They are quite happy for me to register my Thai mobile number as BOTH home number and mobile number.

I've just updated my "home" number as I was previously using a relatives home number (which is still the address I've registered with them).

I have also registered my Thai mobile number as both home and mobile but have changed my address to my Thai address.No problems so far.,fingers crossed.

2 minutes ago, JohnnyBD said:

Thanks... that is understood. So, people who don't have the 800k in Thai bank or 65k in income are more likely going back to the US for the O-A visa. Whereas, those with the 800k can just get the extra 1 year stay by paying the 1,900 THB at immigration and doing the normal 1 year extension of stay. rather than making a border run...

Only if they are from the US..

On ‎3‎/‎9‎/‎2019 at 6:49 PM, bouph12 said:

^^^ These checks are more stringent now so they probably will require proof - you could find out for sure by asking them. 

Thanks..

On ‎3‎/‎1‎/‎2019 at 10:31 AM, lelapin said:

Because they have indicated they are tightening up their internet security and will be asking a/c holders in the near future for new evidence of home address

Hi would you mind please telling us the source of this information?This has implications for me as when I went to report in branch I was moving abroad in 2007 I was told I should keep a UK address because they did not send new cards abroad.I did this with the help of a relative.There have been no problems since.I have acted in good faith on the advice given to me but now I am worried if I tried to change my address to my home in Thailand they will find some reason to close my account..thanks for any info/ advice you or other posters can provide.

16 minutes ago, bouph12 said:

Is this a recent thing?

I ask because the last 2 Nationwide visa debit cards (2011 and 2016) I've had have been sent to the thai address I am registered at with Nationwide.

The one I'm using now was not able to be activated until I called their Fraud Operations team to confirm the card's safe arrival.

2007..not sure whether to report a change of address or not do they need proof address?

Nationwide told me when I tried to report in branch I was moving to Thailand that they wouldn't send new debit cards to Thailand so I should use a UK address which I did with the help of a relative.I suppose I will continue on that basis until they want me to do things differently..

Well I'm so glad I got my extension in February one month early..one less thing to worry about.Stressful times to be sure..

1 minute ago, thaiguzzi said:

I last paid NI in 2003.

In total i reckon i have paid 17, max 18 years NI.

What would i expect to get as a minimum state pension when i hit pensioner age in about 10 years?

Impossible to estimate you should create a government gateway account online for an estimate and what you can do to improve it.

17 minutes ago, Mike Teavee said:

If you've missed previously years why not catch them up (Can do up to the previous 6 Tax Years plus they might let you do the 18/19 Tax Year if you apply now)

 

Did you ask about paying Class 2?

 

The first year that will improve my estimate is 2016-17 which I will pay hopefully this year.I do not qualify for Class 2 contributions as I was not working when I left the UK.

Well I've completed the paperwork and hopefully will be paying class 3 contributions by annual request starting at the end of this tax year..

30 minutes ago, Baht Simpson said:

I haven't checked for a while but was under the impression you can pay a single lump sum to make up the shortfall at 67. Would it not be more prudent to find out how much the shortfall will be then budget accordingly? You can then hedge against any nasty surprises in the future.

Interesting I haven't heard that before presumably 66 in my case as I retire then.

38 minutes ago, Andrew Dwyer said:

So did I !! But it does pay to check !! I paid 40 years but still needed a further 6 years to achieve full state pension ( I assumed it was because I was non resident for many years but not really sure). There were changes made and it depends if you were contracted out or not.

 

Last year I contacted them and got the details:

 

Basically I would receive £26 a week short of Full State Pension = £1,352 a year.

I paid £740 a year for the missing years so I figured it worth my while. ( as long as I live to 70 1/2 years old ) !!

 

In my case I had not paid NI for 1 1/2 years so I paid a lump sum for 1st year and then another lump sum to get back up to date and monthly from then on .

 

You can do it online via government gateway and then contact them via phone to get your repayment options.

 

OP , log on to HMRC, create a government gateway ( your personal username and password) and you can get all your information instantly using only your NI number.

 

You will get a forecast as shown .

 

 

 

Thanks I've already had a forecast I need to decide what to do next.Paying a lump sum  each year with form CF83 and direct debit seems the best option.

2 minutes ago, MartinL said:

I'm in the process of doing this too. I have 39 years (verified by pensions people) of contributions but can make voluntary payments to make-up for the years I've been in Thailand and below pension age, going back to 2010/11 until 2018/19.

 

One of the questions I've asked, and am still awaiting an answer to, is whether voluntary contributions will result in any pension payment increase to a FROZEN pension. I don't want to pay £700 or so for each year only to be told that they don't count because I live in Thailand where the pension's frozen.

 

I can't provide proof but a little bit of research suggests that paying one year's worth of voluntary contributions increases your pension by about £4.70 a week. Based on that, the simple payback for that £700 (ish) is nearly 3 years, so not a bad deal (if you live that long!). 

 

If you're registered with the Government Gateway for your pension, you can see exactly which years are not 'full contributions' and how much you need to pay to fill each of them. I don't think you'll get a choice of paying Class 2 or 3 - only Class 3 will be on offer. 

Thanks for the info.I would assume that increases would be frozen.

1 minute ago, BritManToo said:

Class 2 if they'll let you 2.75/week (Class 3 costs 14.75/week)

Thanks again,a lot to think about..

2 minutes ago, BritManToo said:

Payments under the new system (after 2016) Yes.

Payments under the old system No.

Thanks they have already informed me the first year that will improve my position is 2016-17 but it is not clear whether I would be better to pay class 2 or 3 contributions or by Annual request.

I'm thinking about making up some of the shortfall in my UK NI pension contributions and have began the slow correspondence process with HMRC by letter.My question is has anyone done this and is it generally worthwhile.?I realize all cases are obviously different.it's quite daunting to take the decision to pay when there is a risk it may not be beneficial.Thanks.

It will as always come down how different offices or IO's interpret the new regs.I went early as I have always done and should be under the old regs if you take a literal reading but there are no guarantees probably best to maintain 800k if possible..

2 hours ago, JackThompson said:

If they follow the rules, you will be fine according to the rules en-force when you received your extension.  The problem is, no one knows if IOs in any office will follow the rules or not - and any means of appealing a bad-decision are limited to non-existent. 

 

Some who have applied in other offices have been told they are subject to the "new rules" - even before those rules are slated to go into effect.  If they didn't reset your 90-day reporting and tell you to come back and show your bank-book again at that time, this is a good sign.  As well, Jomtien have been traditionally "friendly" with retirement extensions.

 

But, there is simply no guarantee of future behavior since there is no enforcement of "stick to the rules as written" down the chain-of-command.

 

But, but but ... you could have "gotten away" with spending your foreign-sourced capital into the country for an entire year without immigration forcing you to keep a certain bank balance during the interim!  The horror of the thought of such occurring is beyond words!! 

 

Making 4x agent-payments /yr will be OK in that scenario, though.

Thanks no resetting of 90 days in fact I did a report at the same time and nothing was said.