Witblitz

1 minute ago, Generalchaos said:

Charlie H, you say they took a photocopy of your documents, do they take a real photo copy from a machine or do they photograph them digitally? I must admit I would not fancy these people getting high quality electronic digital copies of any of my documents.

 

I think I would be getting myself some low quality black and whites off a local photocopier to dish out if the cops turned up.

Why ?...they already have them on file anyway 

THB strengthening, GBP dropping...the UK State pensioners living in the Thailand must be cr*pping  themselves 

20 minutes ago, fletchsmile said:

 

There are plenty of legal banking rules around the purpose for which loans are extended to foreigners. There are also other rules which when combined make it impractical for most foreigners, eg the need for funds to come from overseas.

 

e.g. If the funds need to come from overseas then by definition they don't come from a bank in Thailand. Bangkok Bank, UOB, Stan Chart,  etc all of which have done this, used their overseas branches or subsidiaries to provide the funds and the local Thai bank usually takes the mortgage charge.

 

I'd note that you didn't actually go thru with the loan, so haven't experienced where you get told something by one staff member - only to have it kicked back later at the approval stage, when it comes to the people who actually sign off on the loan. I'd also be interested in a couple of points:

 

Did you get your offer in the form of a formal contract or was it just verbal?

 

Was the "offer" in your name only or was their a Thai co-borrower?

 

Cheers

Fletch

 

 

 

 

Fletch

the offer was verbal, IE the girl on phone said I would/could qualify for a loan on condo  up to THB 12.0 million  on the basis of me having co-signing previously on a mortgage for a Thai national, as well as having a "good" credit score..due to previous car loans and I was a good boy and my CC was always paid in full every month and on time 

They indicated the offer would be in my name and didn't require Thai guarantor

on reflection and maybe semantics, she said "home loan" as opposed to "mortgage" and just maybe the offer was a personal loan as opposed to a true mortgage, as you know a personal loan would be shorter term and typically a higher interest rate than a typical mortgage, although they are still lending you the money the "vehicle" of how they would do it is slightly different 

1 minute ago, johng said:

 

The fact that you  have not posted those details  proves that you would like to keep them private

Just like the people  "whinging"  about special tracker SIM cards  would like to keep their location private

Though I think its too late  now as the SIM and  ID card/passport numbers are the database they can pretty much know where everyone is...well where their phone is.

The fact is I don't want some old wrinkly old pedo, or boiler room boy del boy from TV having my details, I would not post anything on here as simply there is no official reason to do so, as much as the old wrinklies and TEFL'er's think they are Thai "officials"

If there is a valid and legitimate reason to provide my details I will gladly do so no problem, if you have a phone with a sim they can track the phone anyway... 

Just now, johng said:

 

Well then you wont mind posting your full name, address, phone number and photograph on here ?.... no thought not

What has posting details on here got to do with it ?....Thai immigration has all my details per the above anyway, as does the Department of labour, SCB bank has a copy of my PP/ phone number/address, as does True Vision  and DTAC...but then again I am not hiding from the law in the my own country as I suspect many one here who are howling about "privacy"

seems to me the ones whinging about loss of human rights and registering sim cards with false details obviously have something to hide and may in fact be the foreign criminal types the Thai police are trying to counter on the run from their own countries and hiding away in Thailand   

Some quick numbers and if I have my sums right

Module efficiency :15.50%
Module rating :250wp
Capacity :1MW /1000kW
No of module:4000 
=6451 Sq.meter 

for 15 MW system

= 96765 Sq meter

or 60, 000 modules

Typically Solar costs USD 3.0/watt

Ergo this project will cost USD 45000000

27 minutes ago, transam said:

I had 4 visits where I am, and I have been attached to the Tourist Police in my area for many years......

A hobbie Bobby mon ami ?....tell me you haven't put the flashing lights and other "police" markings on your V8 "truck" and you drag up and down your local red light district, as the tossers do in Pattaya...

Anyone have an idea what this is all about.

checking I actually lived where I said I was and secondly not working.

you have answered your own question 

22 minutes ago, Ulysses G. said:

Amazing that he could not get a script for the real thing. The foolish drug war is responsible for his death and many more.

No his death was his own doing because he was a junkie....

6 minutes ago, Thian said:

I'm waiting for the day the webmasters relieve us from your idiotic comments...you're nothing more than a TROLL dude. 

Maybe you should learn how to respect other peoples opinions

38 minutes ago, Thian said:

 

Maybe you should learn how to respect other peoples opinions or questions?  

 

People like you make me stay away from other farang in Thailand, no matter in what situation they might be. You act like a complete prick dude.

oh dear, one suspects you stay away from other farang's because they hold their glasses higher than yours and will not pour your drink for you, thus you will not feel superior to the natives ?

16 minutes ago, smokie36 said:

 

Classic comment....perhaps I'll do a few reviews of my local places at the far end of Pattanakarn one of these days. 

I thought the remark of  "being in a resort with 15 young Thai lads" rather amusing as well 

22 minutes ago, bkk_mike said:

There definitely were banks in the past that would lend you money in Singapore to buy property in Thailand. (Because there is a requirement to take the money in from abroad if you want to buy the condo in your own name - so borrowing in Thailand is a non-starter for foreigners - at least those without a Thai spouse...)

 

Bangkok Bank used to do it, but I believe they stopped. But they weren't the only one.

 

However, if she's retiring she might well run into age issues. - i.e. Most banks won't let you take out a mortgage that you won't have paid off before you're 65. If she's retiring at 55, that would be a 10 year mortgage.

 

To be honest, if she's got the income - why not just rent? (If you get crappy neighbours moving in next door when you're renting - it's a lot easier to move at the end of the contract, rather than trying to sell.)

 

 

 

My understanding is as regards the money being brought in for a condo, that is the general rule, but the "rule" actually differs for those on a WP working fully time in Thailand, and you can buy using your local salary and even get the cash out if you sell it as you can prove the money was earned and taxed in Thailand.

Haven't t done it personally but understand from other who have, that its viable option  

1 hour ago, RBOP said:

Under Bank of Thailand regulation no Thai bank can loan to Non-Thai. At least thats what SCB told me. Doesnt matter if you have WP or collateral. I tried as recent as 2009. 

No...under bank of Thailand regulations, a Thai bank will not give you a mortgage on a landed property simply because its illegal to own the land, therefore they would be financing something illegal..that why they don't do it

There is no rule which states a Thai bank cannot loan to a non-Thai,  A WP is only part of the requirement, the other is having a credit rating in Thailand which most farang don't, hence they reason they get knocked back and earning enough money of course

As stated in another post, I was offered a loan on condo by SCB upto THB 12.0 million some years back, which I never pursued and their reasoning was I had a credit history in Thailand and had co-signed on a mortgage through SCB for a Thai national  

13 minutes ago, Thian said:

 

I've seen them putting feet on chairs and aiming soles at me several times...also in good restaurants like i mentioned in this thread.

 

I don't eat in the Siam-area all the time like you do, i live in the subs and never hang around with farang.

 

This weekend i was in a resort with 15 Thai, the young lads liked to cheers drinks with me but they make VERY sure to have their glass lower than mine. 

Not all of them do that by the way, maybe some of them don't respect me as much as the ones who do? Or they just don't care at all for the higher/lower thing?

 

Another thing is who refills the glasses when they run out of whisky. They never ever let me refill my glass myself, seems to be against their etiquette. There's always one of the young guys who becomes the "barkeeper" and they take that job very serious.

 

The only contributions from you to this forum is about dining in restaurants around Sukhumvit, if that's your Thailand than good for you but outside Sukhumvit is another world, maybe you should check it out one day.

 

 

oh dear lord another farang with a perceived high  opinion of himself, "very sure to keep their glasses lower than mine" what load of tosh 

13 hours ago, bazza40 said:

Nonsense. My Thai GF does it all the time, and she has never reproached me for so doing.

 

The basic concept of pointing at someone with your foot is the implication you are treading on their face. Inanimate objects, with the exception of currency, which bears the face of royalty, don't qualify.

 

the fact is the feet thing, touching the head thing, like the term "farang" can be offensive or not dependent on the situation or context

its not as clean cut as the resident "experts" try to make out 

On 8/18/2016 at 6:31 PM, Thian said:

 

I see, so it's about high and low...

I have a nice couch for sitting but our guests (Thai) like to sit on the floor with their back against the sofa. Then they push the sofa against the steel windowbars so the leather gets damaged. Also they let their kids jump on the sofa and even when they tell her to stop it the kid won't listen at all and keeps on jumping. It's a lazyboy so it really annoys me...

 

Also the lazyboy recliner, they like to sit on it with 2 or 3 people together, it's not designed for that and the rocking mechanism will damage from it. I told them about it but next time they do it again.

 

Or they put their purses/bags on my leather lazyboy, i don't like that but warning them doesn't help at all.

 

When people sit on the floor i always step over them with my size 13. I'm very tall so it's easy for me, they have never told me to not do that.

 

When i'm eating in a restaurant i don't like to see soles of feet, clean or not for me they are all dirty.

 

In the skytrain i also see Thai with their bare feet on the chairs and even picking their feet between the toe's...after that they pick their nose again or squeeze a pimple...brrrrr.

 

Also some shops (like my motobike dealer) want their customers to take their shoe's off when entering the showroom. I always forget it and also think it's dirty to walk there on bare feet.  Their dogs also walk there and also don't take their shoe's off.

 

 

 

 

 

 

 

 

Poor baby how do you cope living among such heathen natives ? maybe you should get some counselling to get you over these traumatic events   

http://thailandglutenfree.com/shops.html

http://www.okaysupermarket.com/Glutenfree.html

7 minutes ago, JHolmesJr said:

 

I believe Moonie did it in a music video but thats besides the point…Lochte isn't some criminal or monster….just someone guilty of stupidity under the influence. I cant believe some folks are bringing up OJ Simpson…the world has gone mad.

They are dangerous druggies you said it yourself..and last time I looked cocaine is still illegal in Brazil, so they are criminals and vandalism is also a criminal offence... so stupidity as well..yes why not

And moonie didn't do it in a music video either

4 hours ago, realenglish1 said:

I totally agree I have lived here for 15 years and if they force me to put a sim card tracker in my phone I will move and go to a more friendly country where I am welcomed and appreciated. The thais are going to kill the the goose that laid the golden egg. I am sure many ex pats will feel the same 

if you have a sim card in your mobile telephone they can track you right now if they are so inclined, and the fact you have to register your sim, means they know who you are LOL

so when are you going to book your tickets then ?.....a few old Brits on state pensions are hardly golden geese...scrawny neck chooks maybe...golden geese...naah

17 minutes ago, JHolmesJr said:

The guy tore off a poster and damaged a door, and pissed outdoors….who knows the circumstances that caused him to vent his ire at a door….maybe it wouldn't latch and he kicked it….its a rundown petrol station not the st. regis…its not like he trashed a hotel room or threw a piano in the pool (rest in peace, keith moon).

 

The details are very sketchy…Ive seen footage of someone ripping the poster…nothing with the urination and damaging the door….

 

You must realise that these americans are not used to the cowboy system of countries like brazil and thailand where someone can point a gun at you and demand payment….in the usa pulling a gun to do that is robbery plain and simple or criminal intimidation at best.

 

i think they were probably hopped up on loads of coke and were scared shitless of being tested by the cops…so they just did what they had to in order to be allowed to leave.

 

 

and more apologist excuses, but nice to see at least you admit they are druggies...and BTW Keith Moon never threw a piano into a swimming pool, your very confused...neither did he drive a Rolls into a  swimming pool either...urban legend 

1 hour ago, Rob13 said:

 

 

It's been my experience that they dole them out like M&Ms. 

And ? I asked the poster concerned to cite a study which indicates which nations do and don't stick to the "protocols" he was referring to and one suspects you "experience" is hardly definitive given your very very  limited data set, unless you sit in a hospital everyday at the pharmacy counter  while stealing their free wifi and coffee and checking each script and counting the number of patients who are given antibiotics on a daily basis 

26 minutes ago, sambum said:

 

We could of course, if so inclined, mention "OJ" as an example of the ideal American sportsman?

OJ was just blowing off some steam when he stuck a knife in two people ?.....he was having a laaf with cops who were chasing his white Broncho, 

and must have been under great pressure in Las Vegas which caused him to commit  criminal conspiracy, kidnapping, robbery and assault ?

7 minutes ago, NickJ said:

Yeah....but to most westerners, just being able to buy without a prescription no matter where you are is concerning. And Thais and many others turn to anti biotic in a moments notice. Never or almost never sticking to the protocol.  Regardless if what they are taking even is the correct medication.  

Per the link I provided Thailand doesn't even figure in these stats so not sure why your citing "Thai's" as proof of anything, unless purposely trying to turn this into a Thai bash ?....further do you have a study which indicates which nations do or don't stick to "protocols"...please cite it then