Liquorice

Ricardo, You can also complete form R85 which stops your bank or building society deducting tax from any interest payable.

You may want to rethink your strategy.

The first 25% is tax free, thereafter 20% tax up to £31,866, then 40% tax up to £150,000.

Taking the full pot could cost 30% in tax.

It seems not all pension providers are prepared to play ball

George Osborne, the Chancellor, had promised savers "complete freedom" to withdraw "as much or as little of their pension pot as they want, anytime they want".

But there is no law requiring companies to allow unlimited access.

Only 1 in 20 pension providers will allow savers to cash in come April.

https://uk.finance.yahoo.com/news/most-savers-blocked-cashing-pensions-210024474.html

Ricardo, on 30 Jan 2015 - 16:11, said:

FWIW I've just arranged to cash-in, at age 60 and under the 'old' pre-5/4/2015 rules, a small (circa GBP 4k) pension held with Standard-Life.

The first 25% is tax-free, the balance is having 20% income-tax deducted, under P.A.Y.E. and with a P45 to be issued after settlement to show the basis of taxation.

Since I have absolutely no other UK-income arising this year, I expect to be able to reclaim the tax from HMRC later this calendar-year, by filing a Tax-Return for y/e 5th April 2015. A pain-in-the-a** but worth my time to recover GBP 627 !

Ricardo, why are you paying 20% tax on an income of £4K?

Similar to you I cashed in 2 pensions at age 61. I took the 25% tax free lump sum and an income of £9,5K.

I contacted HMRC because is was just under the Personal Allowance, who in turn contacted my Pension provider and issued a coding that allows my provider to pay the full amount......no tax deducted.

Because my personal income isn't expected to increase until I'm 65, I don't have to file tax returns either.

Only if you have Permanent Residency status, otherwise you get your own Yellow Book as an 'alien'.

UKIP only expected to get 5 seats.............that's a surprise.

My first priority was to purchase a motorcycle and get a Thai driving licence when I first came to Thailand.

The Transport office wanted a C of R and so did the Honda dealer to register the motorcycle.

Other than a copy of my landlords Tabian Ban and a copy of his ID card I had no other proof of address.

Yes Roi Et Police station issued a C of R with copies of my own ID and copies of the home owners ID.

A driving licence is also a good form of ID because it not only confirms your name, but also your ID number (passport) and it has your address on the reverse side.

Certain government departments though will require a C of R as a minimum requirement and as they only have a limited life of validity, I found it a pain in the bum to keep taking copies and visiting the Police station for yet another C of R, so I asked about getting a Tabian Ban.

Your also put on the register of residents in that province which means other parties can check that register to confirm your address against the Tabian Ban.

A Tabian Ban also has no validity date so it can be used again and again.

Getting yourself an ID within Thailand makes it easier for foreigners to carry out certain routines just the same as a Thai would without all the need for continuous copies and C of R's. I also claimed tax back this year from the tax paid on interest last year. Again more ID with a government department and a personal tax reference number.

Your Amphur will need to match the house owners ID and address with yours for the application, so yes a copy of his ID card and Tabian Ban are required along with your passport, a translation of same and a copy of your C of R.

I had no problems getting my landlord to accompany me or sign the application. It's just a natural thing for them that everyone should have their own Tabian Ban.

Different folk have different experiences, so what works for one, doesn't always work for another, hence mixed replies.

Go down to your local Amphur with whatever documents you already have and ask them what else they need, is the only way to find out.

TallGuyJohninBKK, on 27 Jan 2015 - 22:12, said:TallGuyJohninBKK, on 27 Jan 2015 - 22:12, said:

Faz, on 27 Jan 2015 - 21:17, said:Faz, on 27 Jan 2015 - 21:17, said:

@eppic, you can also get a Residents Certificate from your local Police Station.

Passport plus Copies of homepage and current Visa status.

Copy of landlords ID card.

Copy of landlords Tabian Ban.

If you go that far, take all of the above plus a translation of your passport + 2 photo's to your local County Provincial Hall and get a Tabian Ban.

Don't need any more copies of documents or Certificates of Residence in the future.

Faz, can you clarify about that abit.

I'm also a renter, and live in a building owned by a Thai family that also lives there as their home.

So, if I were to do what you recount above, are you saying the amphur would issue me my own tabien ban book as a renter, or, that they'd add me as a page/entry in the property owner's TB book? Thanks...

To get a Certificate of Residence from Roi Et Police Station, I took the following:

Original passport

+ copies of the homepage, extension of stay stamp, entry stamp.

+ copy of landlords ID card (signed and phone number)

+ copy of landlords Tabian Ban.

It took about 20 minutes to issue the C of R, they already have templates on the PC and just change the details.

A translation of your passport homepage is also required to make the application for a Tabian Ban + 2 passport photos.

I set the translation out identical to my passport homepage, including the photo, using Google translate.

Now many will say this translation must be legalised, but there is no such requirement according to the official at our Amphur

(1 x photo for the translated page of your passport. 1 x photo for the application form).

Take all those above mentioned documents to your local County Provincial Hall and they will issue you with your own Tabian Ban (Yellow Book for aliens)

Your landlord, as the house owner will also have to attend to sign the application form.

I'm a renter as well John, that doesn't make any difference.

The Thai Civil Registration Act (2) BE2551, reads as follows;

Section 21. Section 38 of the Civil Registration Act B.E. 2534 shall be repealed and replaced by the following:

“Section 38. The district or local registrar shall issue a household registration for persons without Thai nationality having been permitted to stay temporarily and those having been giving leniency for temporary residence in the Thai Kingdom as a special case in accordance with law on immigration and the declaration of the Cabinet and their children born within the Thai Kingdom. In a case of permission of temporary residence overdue, the registrar shall immediately dispose of such persons.

The Director of Central Registration shall make profile registration for persons without Thai nationality besides those under paragraph one in accordance with the declaration of the Cabinet.

Siam Legal helped him complete the application.

They accompanied him to the bank the following day once his funds had been transferred.

They got a letter from the bank confirming funds and a copy of his passbook.

He did not accompany the agent to Immigration.

He entered on a Visa exempt and got both the Non Imm O and extension dated one day apart.

Why would it make a difference whether the applicant attended or not.

Whichever his funds had been in the bank for a day, not the required 60 days.

It wouldn't be possible for me as an individual to get a Non Imm O and extension together, so how do these agents manage to do it?

@eppic, you can also get a Residents Certificate from your local Police Station.

Passport plus Copies of homepage and current Visa status.

Copy of landlords ID card.

Copy of landlords Tabian Ban.

If you go that far, take all of the above plus a translation of your passport + 2 photo's to your local County Provincial Hall and get a Tabian Ban.

Don't need any more copies of documents or Certificates of Residence in the future.

LivinLOS, on 27 Jan 2015 - 18:31, said:LivinLOS, on 27 Jan 2015 - 18:31, said:

Faz, on 24 Jan 2015 - 09:51, said:Faz, on 24 Jan 2015 - 09:51, said:

billphillips, on 24 Jan 2015 - 09:43, said:billphillips, on 24 Jan 2015 - 09:43, said:billphillips, on 24 Jan 2015 - 09:43, said:

It's possible to make the 90 day report at any immigration office. Why not try another office nearby and see what transpires.

I have a feeling though that the computer records have been marked along the lines of ... Refer back to issuing office.

Alternately, speaking to the head shed of the local office and parting with some cash may possibly resolve the issue.

These agents are well known for "under the table transactions" with their pet immigration contact. Don't expect any help or sympathy from them. Avoid using them at all costs in the future. It's not difficult or complicated to make the application and get a visa / extension on your own behalf. Actually it's a requirement that the application is made in person, although you can recruit assistance to accompany you.

I was under the impression from other topics that you could only do the 90 day reporting at your local Immigration Office where your registered address is.

And if your on holiday somewhere in the country ??

Can be anywhere no ??

It would have to be longer than a 3 week holiday because you have a 21 day window to do 90 day reports.

The other option would be to complete a TM28 and TM 30 form. Walk in and do an address change first, then do the 90 day report.

Of course you'd have to do that again with your local office when returning from your holiday.

Maybe a bit long winded, but your following the rules and it overcomes the problem.

LivinLOS, on 27 Jan 2015 - 18:33, said:

Also.. I see its now done.. But in his position, with time to spare, I would have done a report by mail..

His obligation is then done.. They dont like that.. They will need to explain why..

He went in November with a TM28 and TM30 form to change his address with Immigration.

They changed it on the computer and gave him a notification slip to that effect.

He only lives 30 minutes motorcycle ride from Amnat and it was an opportunity to do some shopping in the town.

His passport, Visa and extension has been viewed by a few including other Immigration officers who found no fault.

He had a bank account and a letter from the bank confirming the funds, but...........the money hadn't been seasoned.

His Non Imm O and his extension are perfectly legal, but the rules for issuing the extension weren't followed by Bangkok Immigration.

That said, I've at least 2 other examples of Visas and extensions issued the same day from Bangkok.

I believe it's quite common for agents to do this procedure through Bangkok, probably hundreds a year.

From what I can establish, many other Immigration offices also accepted Extension issued in this way without any concerns.

Now the Army is in control and clamping down on corruption Amnat seem to be one of the offices who don't want to get involved with Extensions issued by another office, even though the extension is legal. It seems to be the fact it was issued without following the rules that they have a problem with.

They view it as a 'dodgy' extension.

There's a much bigger issue to this because these agents and Bangkok Immigration are making good money from this practice.

John, check with your local Transport Office the period they will accept your C of R.

Our local office only accepts C of R no longer than a month old.

Having received my C of R from the local Police station, I went the next step and got a Tabian Ban.

Sure beats having to provide all those other documents of proof of address again and again to the various bodies.

ubonjoe, on 27 Jan 2015 - 08:15, said:

If they refuse the 90 day report again and he decides to do another border crossing he might want to go to Chong Mek to do it. It is a walk across crossing that is normally not busy.

Thanks Joe.

Sorry, bad choice of wording.

He overcame the requirement to do his 90 day report by crossing the border, thus resetting his date to next report in 90 days from re-entering.

Amnat are sticklers for the rules, but hopefully he can continue to do his follow up reports there.

If not, he now knows how to overcome the problem. Amnat have already stated they would be happy to do his next extension.

I don't think he'll be using any agents again for Visa/Extension processing.

Lesson learned.

Just a quick update and to pass on my friends thanks to all you TV members that offered advice.

He did a border run to Savannakhet today and got his 90 day report completed.

The IO ;s speak excellent English and after viewing his Visa, Extension and dates couldn't find anything wrong.

They felt Amnat were being a little pedantic under the situation.

Agreed the 800,000 wasn't seasons but as it was Bangkok that issued it Amnat shouldn't have any concerns.

The IO felt that Amnat would probably do his 90 day reports in the future; now the first one is out of the way, but the guy gave Dave his personal mobile to ring him if he had any further problems at Amnat and he would speak to them.

Anyway thanks to all from Dave.

8 Victims they know about.......................and how many more have been raped that didn't report it.

World News Forum.

What! This horse?

stevenl, on 24 Jan 2015 - 10:29, said:

billphillips, on 24 Jan 2015 - 10:28, said:

Faz, on 24 Jan 2015 - 09:51, said:

billphillips, on 24 Jan 2015 - 09:43, said:

billphillips, on 24 Jan 2015 - 09:43, said:

It's possible to make the 90 day report at any immigration office. Why not try another office nearby and see what transpires.

I have a feeling though that the computer records have been marked along the lines of ... Refer back to issuing office.

Alternately, speaking to the head shed of the local office and parting with some cash may possibly resolve the issue.

These agents are well known for "under the table transactions" with their pet immigration contact. Don't expect any help or sympathy from them. Avoid using them at all costs in the future. It's not difficult or complicated to make the application and get a visa / extension on your own behalf. Actually it's a requirement that the application is made in person, although you can recruit assistance to accompany you.

I was under the impression from other topics that you could only do the 90 day reporting at your local Immigration Office where your registered address is.

No that's not the case. A visa or extension application has to be made at the office covering your residential area. The 90 day report can be made at any office. I reported while on vacation in Jomtien, I live in Udon. I believe it can also be done by post at some offices.

Take care if your friend leaves Thailand. If the computer file is marked as I suspect ... They won't let him back in on that visa and will only give a "visa on entry" for 30 days..... 50k down the drain.

Good advice above was to try the immigration hotline number. If no joy with that .. Get to BKK immigration asap and sort it.

Less and less offices are accepting 90 days report 'out of province'.

That was my understanding. Amnat refused to accept a 90 day report for a chap from Pattaya visiting a friend in Roi Et only the other week.

Said it had to be done at Jontiem.

'Consistency' doesn't appear in the Thai dictionary.

stevenl, on 24 Jan 2015 - 10:24, said:

Faz, on 24 Jan 2015 - 10:08, said:

stevenl, on 24 Jan 2015 - 09:56, said:stevenl, on 24 Jan 2015 - 09:56, said:

He hired a legal company to sort out his visa, let the legal company sort this out as well.

He's trying but there attitude is arrogant and they can't see what the problem is.

Hundreds use these types of agents to get Visas and extensions. They don't have problems thereafter.

Amnat have said' before OK they accept, now Army, cannot or will not do'

Yes, that means there is something wrong, as said earlier by others, most likely the seasoning.

If they say 'no problem', have them go with him to do the 90- days report.

Or simply avoid the issue by going abroad at 9-0 days report time, and extend according to the rules when that time comes.

That suggestion was put to them on Friday, but they hadn't responded by the evening.

lopburi3, on 24 Jan 2015 - 10:08, said:lopburi3, on 24 Jan 2015 - 10:08, said:

Faz, on 24 Jan 2015 - 09:56, said:Faz, on 24 Jan 2015 - 09:56, said:

Lite Beer, on 24 Jan 2015 - 09:24, said:Lite Beer, on 24 Jan 2015 - 09:24, said:Lite Beer, on 24 Jan 2015 - 09:24, said:

The 90 day report will be 90 days after returning.

But he will be fined 2,000 Baht for not reporting on 26th.

Thank you Lite Beer.

So you would have to be out of Thailand for the full period of the 21 days you could possibly report in order to legally miss not reporting without any fines.

He needs to depart prior to staying 90 days (or in this case first application for extension of stay) - you had a departure two days after reporting of 90 day due in your question.

Thank you lopburi3, I fully understand.

So if he crossed the border tomorrow 25/1 he wouldn't need to report on 26/1 and his next report date would be 90 days after re-entry.

stevenl, on 24 Jan 2015 - 09:56, said:

He hired a legal company to sort out his visa, let the legal company sort this out as well.

He's trying but there attitude is arrogant and they can't see what the problem is.

Hundreds use these types of agents to get Visas and extensions. They don't have problems thereafter.

Amnat have said' before OK they accept, now Army, cannot or will not do'

Mario2008, on 24 Jan 2015 - 09:51, said:

Let him call 1178 (immigration hotline) and tell about his problem. If they agree Amnat is wrong they can contact that office and set them straight.

In case of conversion no need for seasoning.

He was issued a Non Imm O one day, extension based on retirement the next day.

Are you saying his funds didn't need seasoning for the conversion. Link to the info please.

Lite Beer, on 24 Jan 2015 - 09:24, said:

The 90 day report will be 90 days after returning.

But he will be fined 2,000 Baht for not reporting on 26th.

Thank you Lite Beer.

So you would have to be out of Thailand for the full period of the 21 days you could possibly report in order to legally miss not reporting without any fines.

billphillips, on 24 Jan 2015 - 09:43, said:

It's possible to make the 90 day report at any immigration office. Why not try another office nearby and see what transpires.

I have a feeling though that the computer records have been marked along the lines of ... Refer back to issuing office.

Alternately, speaking to the head shed of the local office and parting with some cash may possibly resolve the issue.

These agents are well known for "under the table transactions" with their pet immigration contact. Don't expect any help or sympathy from them. Avoid using them at all costs in the future. It's not difficult or complicated to make the application and get a visa / extension on your own behalf. Actually it's a requirement that the application is made in person, although you can recruit assistance to accompany you.

I was under the impression from other topics that you could only do the 90 day reporting at your local Immigration Office where your registered address is.