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I registered a TM30 for the house i live in and my occupancy as foreigner visitor. The TM47 on line applications ran smoothly enough for a couple of years. I NEVER had to give my passport number if we did stay in a hotel as I knew I would have to register in my house for TM30 when we got home. I exited the country for the fist time in several years this summer and registered as staying at our home for TM30 when I got back through our ONLINE facility. My first online application for 90 notification under TM47 failed as they want to see you in person. Immigration said online TM47 would be work on the next notification which was done last week. They have not accepted my application for TM47 so far. I am going to Chaeng Watana next week because it will be due. I suspect the TM47 system has been tweaked to check the TM30 and my record has failed for some reason. I will do a manual TM30 at the same time in case the glitch happens on the TM30 side, though I think that means my wife signing it as house owner and me having a formal Authority or Power signed off by her witnesses by someone else if I remember rightly for me to submit the TM30.

For anyone interested Pension Wise help service have said that there will not be an issue for a non resident who receives pension payment in a an overseas account for HMRC in refunding the emergency tax deducted on the tax free element of the pension pot of 25% (that is often taken as a lump sum). HMRC would go further any give credit if the UK tax payer were to pay tax on the pension income in their country of residence (i.e. Thailand) by considering a claim for Double Tax Relief. Thanks all for conversations

Hi Will Are there any caveat catches about the drawdown being taken in the Uk by a UK resident or to a UK bank? My question is whether the first 25% drawdown would become liable to taxation by virtue of someone claiming it to overseas for payment into an overseas account while being not resident in the UK. I can't get my docs lined up without running through that tortuous route, I'm afraid. An advisor from the government Pension Wise service suggested I find check around - the guidance isn't easy so there is no substitute for experience. Thanks v much

Aah, I think I've twigged a bit more, thanks again I would have preferred to do it your route & will for applying for a new version of annual savings accounts with a building soc. I was pushed to be on the Electoral Register here for something else. I did it as I am registered with HMRC here and do submit Tax Returns stating non residency. My pension company, unlike yours, say they pay pensions overseas. I suppose it is still an open question whether HMRC will refund the tax free element to someone with a Thai address & non resident though. Before I try it and find out, does anyone reading this had tax levied all of their pension payments from the UK including the 25% expected to tax free & often paid as a lump sum? It'd be harsh and be as galling as the State Pension freeze must be. KR all & ta in advance

Hi Brit, thanks - i'd agree that keeping all addresses in UK is simplest. The comment to you on the Credit Score is about not finding you on the register at the address for your banking. I suppose that is good news for me as they will similarly not find an entry for me at the UK address used for my banks including the one were I'll open a new 1 year savings account. I don't suppose there can be any tie up with the entry on the Electoral Register for an identical name in Thailand so I have been over thinking it. On the pensions front, I was concerned with the tax free element usually available from a private pension pot (which is 25%) and can be taken either as a lump sum up front (also of 25%) or as part of a the future stream of payments to the pensioner. Income from pensions is taxed, as you say, (apart from any tax free element) so 20% is the most common band applicable to most people. I was talking to the government service free through Moneyhelper.com called Pension Wise to everyone for guidance on issues to think about concerning drawing pensions. The advisor was flagging the possibility of a general issue (without knowing specifically about Thailand) & as you suggest might be better ignored. No UK tax payers here comment here on the injustice there would be to them in not receiving the tax free elements of their pensions so it seems like a non issue. I don't want to find out that if I took a lump sum (that the pension company current say includes a 25% tax free element) subsequently I find myself paying tax on it (because the 25% tax free bit isn't allowed to someone living abroad as per Pension Wise's concern) & HMRC levies higher rate tax on most of it. : { Has anyone had any attempt made to claw back the 25% tax free element usually available in drawing a private pension? Thanks again

Thanks. Do you know if UK credit checks pick up entries on the Electoral Register? I have a UK bank account based at a UK address (so I think a credit check would be consistent) BUT have put a Thai address on the UK Electoral Register. I can't imagine how the check system might identify an individual beyond the spelling of a name, or whether they bother to but the Electoral Registration was significant for my pension provider. Thoughts welcome! Am I over thinking it?! : ) Have you ever heard of HMRC NOT allowing a foreign resident the tax free element of 25% usually available in payments in UK private pension? It'd be a new to me. A government Pension Wise advisor brought it up and suggested I check with others in the jurisdiction of my residence. It can't be right, can it? Payments out of a private pension to UK tax payers have a tax free element of 25% wherever they are resident don't they? KR & thanks BT2 & all

Thanks, good to know. Was it with either NatWest of HSBC by any chance? Experiences of hassles or being scuppered are sometimes mentioned by other people. I wonder whether there is variation between organisations or in the situation of people. You'd think the should be an industry-wide standard to be clearer for all.

I had an appointment with the government provided free pension advice service provided by Pension Wise last night. Pension Wise said I should check that residence in Thailand does not undermine the right to receive 25% of a pension tax free. I was surprised at the suggestion. Does anyone know of any problem to eligibility for the tax free element of a pension?! The second aspect concerned Double Taxation Relief. I do expect to pay UK tax which will go through my Tax Return. I do not expect to have to pay tax on pension payments from the UK into my Thai bank so I do not expect double tax. Is that right? I would much prefer to have them paid into my UK bank but had to provide my Thai bank as the pension company requested proof of address via the Electoral Register (& as I felt registering at my UK address was it a bit too much after 8 years in Thailand now so I moved the Electoral Reg to my Thai address). Finally and as an aside - do Credit Checks (particularly in applying to open a savings account with an existing bank when an annual "bonus" rate comes to an end) link Electoral Register address (here in Thailand) with the UK address I use for this particular bank and others? Many thanks for view guys, really appreciate help & the discussions ongoing here HNY I expect

Smedley - have your UK bank suspended any services available to you? I use a UK address for my UK banks so that they do not change the functions that I am familiar with. I do not know what impact it might have, does notifying them have consequences in what the UK bank will allow you to do (like perhaps withdraw a Touch & Go facility on a bank card or paying pitifully low interest rates)? Thanks

As ironic as it may seem in the real world, I believe the mentality in a welfare state is that when a benefit is provided, it is because they WANT those who qualify to take them (to aid "circulation" of money in the economy in the way the law maker intended). It is counter intuitive / seems daft to the mind of an ordinary tax payer who rather hopes less money was being shelled out of the system.

I applied online on 17 Aug and have still not had approval. Notification is due 30 Aug so in mind of comments here on the backlog others have experienced I have booked an appointment at CW on 30 Aug. My last run of notifications have run smoothly, approved in a couple of days so shame to have the journey there & back if notification is not granted by then. GLA

Agree with experience on the thread. I signed up for a day package of roaming access with AIS for 32 baht but had to switch off my internet connection as per Mutt Daeng - it's telling you to switch wifi off and to register using the sim card that will be associated with the account. After registration you should be able to use the app via wifi . (haven't check the wifi bit yet) My original passport number was rejected and my current passport number accepted. That makes sense & perhaps using the pink card. SCB staff do take care to update the bank's document records for new passports as I recall, they are very good at that, aren't they? The new site looks powerful. I will get the bank to help me with facial recognition. I saw them doing that for a customer last time I was in a queue. It looks very convenient & useful. The thought of walking round with access to the amount that must be at a bank for immigration requirements is a downside. I wonder whether it might be better to keep a the lump sum required for visa renewal in another account outside reach of the SCB Easy ap, in another bank or keep the Easy ap phone at home.