MadMuhammad

17 hours ago, AlfHuy said:

I just played the elderly slightly demented old foreigner...

 

 

Was it difficult?????

beat me to it lol

On 10/21/2020 at 6:02 PM, BritManToo said:

They don't appear all that bothered at the moment.

I've been here 11 years and just got my first one at Chiang Mai immigration.

I just played the elderly slightly demented old foreigner card, and while they wondered why I've never had one before, just did me one.

Wouldn't have been too much of a stretch mate? ????

10 hours ago, BritManToo said:

I'd already paid for my holiday in March and nobody was offering me a refund if I didn't go.

Not to mention my permission to stay would have expired if I hadn't left.

I was in Siem Reap when I got a message from Air Asia at 5pm, Thai border closing at mid-night, your return flight next week is cancelled.

Got back in the country with 30 minutes to spare before the airport closed to international arrivals.

 

What would I have done if I hadn't managed to return?

Probably would have dumped my Thai family and mortgage, and set up a new home and family in Cambodia.

I'm not really one for sending money to people in foreign countries, for services I can no longer use.

Sounds like a quality relationship and ‘family’ you have there. Oh sorry, quality ‘services’ that you use. Wow

12 hours ago, moontang said:

But, who is going to service the loan?   What if the owner croaks?  I can't see the land office arbitrating a case of he paid/she paid..

Well I service the loan. The loan is registered at the land office and noted on the rear of the chanote. If the owners croaks is a very good point and not something I have a actually enquired about. 
At a guess I’ll continue to pay to their spouse or whoever the property is bequeathed to. Something I will enquire about though. Thank you ???????? 

7 hours ago, madmen said:

It's called vendor finance but always heavily favors the vendor and they will have a repossession clause built in if you default twice and all your equity vanishes. Most of the buyers are so excited to get a "loan" they will take any terms offered as majority have bad credit ratings or bankrupt etc. Or in the case of thailand there is no credit. 

We had the property transferred on the date of execution of the contract but we do have the repossession clause in our contract. I have the funds to pay the loan in its entirety but I make far more investing in stocks than the 3% I pay in interest. I’ll never be in the position to default so it’s out Something I have to worry about.

We also have a ‘early payout’ clause where we can pay the total balance owning minus any future interest payments. I’m happy with our deal 

7 hours ago, sitti said:

Never heard of it. I'm a private banking customer of Thai banks and own multiple properties and buildings in Bangkok. Of course I have extensive experiences in getting mortgages from Thai banks and this is the first time I heard of financing through the owner. Either you're not explaining it right or shady way of getting a loan. Even there is such thing, it would be completely unregulated, zero protection to buyer, which the owner can easily screw the buyer. How can you possibly be perfectly certain that owner will transfer you the property after you paid off this so called mortgage through the owner. Unless you're talking about condo company partnering with a bank, and they offer pre-arranged mortgage to qualified potential buyer. But even then buyer would still have to go through bank's process. Nobody should do any type of loan with anybody but real banks. 

 

The transfer is done on the day the deposit was paid and there is a note made on the rear of the chanote that the property is under finance. We signed a contract with included stipulations that should we be later than 30 days on any payment or the final balloon payment all monies pairs to the owner will not be refunded and we will lose all rights to the property. 
I spoke to quite a few people a few people that have gone through the process and I was also advised by my lawyer, hence insisting the property was transferred into my wife’s name in the first instance. It is a legal and common way for foreigners to buy property. 
We also have the option to payout the mortgage early with no penalty. 
 

https://remthailand.asia/making-owner-finacing-a-viable-option/

1 hour ago, Pravda said:

 

Fact is there is no chance he will get a mortgage without a large down-payment. 

 

Thai banks are actually very strict with mortgages, more so than Western banks. This is the reason why there are so many condos for sale from developers. People pay a booking fee and when it's time to get a mortgage they simply get rejected, so the unit is back with a developer. Just went through mortgage with a wife yesterday as we took a 3.5 million loan in her name. No 20 or 30 year mortgages if you are over 40. 

 

 

Absolutely hilarious.

 

Are we talking about loan sharks?

Owner finance is very common due to the fact the mortgages are almost impossible to obtain for foreigners. 
I wanted to buy a property for 5mil. The wife and I offered 3mil deposit with a  combined income of 100K a month but we were still knocked back. Financed through the owner for 3 years at 3% with a balloon payment at the end. Far better deal than the banks anyway 

25 minutes ago, CGW said:

I struggle with this statement based on my 40+ years in the tropics!

 

The winds here do not blow very often, the slight breeze is blocked out if you have insect screens on your windows, in the middle of summer opening windows up when its 40° outside just equalises the temperature, if the house is hotter than 40° all well and good!

 

Even a human body at rest produces waste heat as part of its basic life processes. This heat has to go somewhere, otherwise the body would overheat. If the outside temperature equals your body temperature, your body is unable to dispose of its excess heat without overheating. (Actually, so long as humidity remains reasonably low, your body can employ evaporative cooling, which is how we survive on hot days without air conditioning. But excessive sweating is not exactly fun. And in 100% relative humidity, 32-33 degrees Centigrade can be deadly to an otherwise healthy human being. )

 

We feel most comfortable in temperatures where the body's natural ability to dissipate heat without heroic measures (like sweating) equals the amount of waste heat our body produces at rest, so those who want to "get used' to the heat, enjoy 

 

I’ve always ‘run hot’. Even as a kid I used to emit visible steam on cold days exerting myself at school. My internal temperature doesn’t allow me to equalise my temperature very well at all and I sweat excessively. No ‘getting used’ to the temps for me sadly 

19 minutes ago, ezzra said:

so 27 millions and they still live in this s**thole? and didn't run away with the loot and all that time waiting for the police to come? put them in prison just for being that stupid...

The last thing I would do if I was stealing money through fraud is advertise my wealth by buying/renting flash throngs is: home, car etc. 
As for running with the loot huge amounts of cash, for free I might add, tends to skew someone’s ability to cut and run, especially if they were poverty stricken in the first place. At least their families are extremely well taken care of back home (if it was their idea and they weren’t just pawns for someone bigger)

Sophisticated scam just not sophisticated enough to get away with it (although someone has the cash)

Wowee. I’m speechless 

42 minutes ago, kingofthemountain said:

How much have you been charged for the ''service'' in total?

I mean how much money you had to pay after you have already paid

initialy for the product and the delivery of it ?

This ''problem'' seems to be a reccuring ''problem'' with the Thai custom and UPS

so i very much doubt that the attitude of the customers is in cause 

Maybe you was just lucky

or maybe your surname wasn't ''John'' or ''Bill''?

It seems they target a specific farang ''clientele''

supposed to have more than enough money to pay an ''overcharge''

A grand total of zero. 100% farang nane. As mentioned I must just be lucky I guess, multiple times. im not saying it doesn’t happen I’ve just found any issue I have had has been resolved very quickly with no extra payment required, via UPS through,  amazon especially (6 or 7 deliveries this year alone) 

On 9/18/2020 at 12:54 AM, ukrules said:

Give it up now and forget about ever getting your package.

 

This has happened before, I normally tell them to quite literally 'go <deleted> themselves'.

 

You will never see your package. The next step will be asking for import permits for the products which you will not have nor be able to obtain.

 

They stole an in the ear thermometer off me earlier this year using similar methods.

 

 

I had to present my original passport to UPS and obtain import approval for a single bicycle tyre from the US as it wasn't TIS approved. I provided my passport with all attached docs and they arranged import approval and delivery to me in 48hrs. Maybe your attitude caused the issue? 

12 hours ago, CorpusChristie said:

You seem quite joyous about it , as do quite a few people on this forum .

The need to say ‘I told you so’ to confirm ones own biased beliefs is very strong in some 

Just now, trevoromgh said:

No-one in their right mind would travel long distance to Thailand with the current Covid restrictions and also the lack of airflights.  If Thailand is going to stand any chance of getting some tourists back from western countries they would need to adopt a similar approach to that taken by Cyprus for specific countries, read here  TimeOut report

There they are promising to pay the holiday expenses of any travellers who test positive for coronavirus whilst visiting. Accommodation, medicine and food for the entire affected group would all be included, with travellers only needing to pay for their journey back home. A dedicated hospital and hotel would also be available for stricken tourists.

I realize such a radical approach is unlikely to be adopted here anytime soon but in desperate times then desperate measures should be considered.

What about those that have families, businesses, homes and/or the means or the want to spends months in country at a time. There would be plenty in that situation one would think 

Everyone: they have to do something, surely. They can't just shut the borders with no options to see my family. come back to my condo, see my family, get laid. At least give us an option for christ sake you dumb, short sighted government!!

Government: ok ok. Look, we'll do this in limited numbers and with a bunch of requirements ok? If you really need to see your family, come back home or get laid this is what's required for now

Everyone: What?! What do you mean requirements??!! You cant be serious?! I don't like your option you dumb, short sighted government.......

Looks will fade but a good woman will always be a good woman. I chose my wife for her intellect first, but she’s still a cutie and 17 years younger than me. 
I had an absolute princess of a gf when o first met her, one of the prettiest Thai girls I’d ever seen. But she she was a watermelon head and my wife made her look even dumber than she was in my eyes. My marriage just gets better with time 

4 minutes ago, GAZZPA said:

i would personally want to be checked out if i got food poisoning from something like sea urchins, or perhaps pork. Most food poisoning I am told gives you nothing more then an upset stomach, however some can be very nasty and possibly even fatal such as botulism. If it were anywhere but Thailand the restaurant would be investigated for food hygiene and health and safety standards. I often wonder how much food poisoning does go on when they lay out raw meat on a wooden table in markets with zero refrigeration and just a silly makeshift fan to keep the flies off. I once sat in an open air restaraunt with rats running around the floor in Bangkok, it was so bad i left, there was no way i was going eat there,,, 

My symptoms just a couple of days ago were fever, joint pain, diarrhea, headache, lethargy, nausea and dehydration. I rode it out for 12hrs before giving in and going to hospital. The only thing I had eaten in the previous 12-16 hours was chicken and boiled spinach. Number 1 & 2 on the list lol

6 hours ago, soi3eddie said:

I live nearby and know this place. It's been on my wish list of places to visit for a while. It looked good and has good reviews (until now). Sea Urchin and Capelin would not be my choice of food but their other stuff looks much safer. I wonder if they'll stay in business much longer as the Ari HiSo's will soon spread word of their sickness. 40,000 Baht for diarrhoea is excessive.  

I just spent a night in BKK Hospital Pattaya with food poisoning, 23800 baht

On 7/25/2020 at 10:17 AM, worgeordie said:

It's a buyers market out there,with all the oversupply of properties,

and with the covid crisis,lack of buyers,any property is only worth

what you are willing to pay for it.

regards worgeordie

 

Agreed. I just negotiated a 6.5mil listed new home down to 4.8mil.