Mike Teavee

You don't need AI you just need decent data... It would take minutes to get a list of all Foreigners who have spent more than 180 days in Thailand assuming Thailand keeps track of passport numbers & length of time spent in country (which they do) It would take minutes to get a list of all Foreigners who have remitted money to Thailand this year & their passport number (already provided to them by all of the Banks). It would take seconds to do a "Union" query to match the 2 datasets & go after those who haven't filed, maybe for legit reasons like only have US Social Security coming in but I'm sure they'd catch enough to make the 2,000B fine for not filing worthwhile. End of the day the data set would be limited to the approx. 300,000 Expats living in Thailand (& from that you could exclude guys who are working & are already filling returns), could do that using MS Access if not Excel.

I've decided I'm going to File a return for this year (Have filed previously & already have a TIN so can do it all online). My original thinking was that I have approx. 8K in withheld tax that I can claim back, but now I'm thinking I'll remit enough money so I'll break even or have a small (couple hundred THB max) Tax liability. TBH I need the cash & taking it out of my fixed deposit accounts would cost me more so it makes sense to me.

Although the Website says that you need to be drawing State Pension, you don't & there have been reports of people successfully applying for a Non-IMM O in similar circumstances to yours. If it's no hassle for you to get it whilst in the UK I would just do it there to save messing around when you get back.

My mortgage is with One Account (Was Virgin One) & a couple of years back they asked me for a Thai TIN (No idea how they knew I was in Thailand as I never use that account) but they've never asked me for my UK TIN, though they would have my NI Number as part of the registration so must be happy with either/or. As an aside they're closing my account in March (Mortgage period is finished) and in their letter they offered to migrate me to a normal bank account (Natwest I believe) but I'm pretty sure that's just a standard letter and they won't let me do it because I live in Thailand.

Which Bank? And I wonder why a UK Bank would ask for a UK TIN Number (None of mine have my UK Tax Identifier Number) - Did they mean your National Insurance Number? Maybe they can be the same thing, but everybody who files a Tax Return is given a Unique Taxpayer Reference (UTR) which is what understand to be my UK Tax Identification Number. https://osome.com/uk/blog/tax-identification-number-tin/

Yeah but you're more a Mike Baldwin than a Kevin Webster (Forced to sit through Corrie as a Kid). Funny story in 2009 my parents made their 1st trip out to Singapore to come visit me & this was before the days of having any decent IP services so what's on Singaporean TV was what you watched... Up pops a promo for Coronation Street & Mum gets all excited so we had to stay in to watch it... Next thing, Ena Sharples pops up (She'd left the show 30 years earlier 😛) but it was good to see Stan & Hilda again 😄 It it wasn't for Crimewatch (Bicycle Stealing Gang) we'd have had nothing to watch 🤣

Apologies I worded that part very badly, I was trying to say not claim any expenses you've incurred for your property so should have said something like "Not include any expenses you've incurred for the property on your Thai Tax Return"... Agree which is why, even though I'm better off claiming my UK property expenses against Tax in Thailand, I wouldn't try to do it without professional assistance so will leave the money in the UK for now.

As I understand it you would either use the remitted value & not try to offset any expenses incurred in Thailand (I.E. Would be £8,000 from which you can claim a tax credit against the £2,000 tax you've already paid) OR you would pro-rata the Gross Income/Tax & claim 30% of the (Receipted) expenses in Thailand, something like:- Gross Income £20,000 Amount Remitted £8,000 Tax credit = £8,000/£20,000 * £2,000 = £800 Expenses claimable = 30% of £10,000 = £3,000. *I'm not aware of any upper limit to the expense reclaimable. Edit: As I'm using UK as an example it's worth mentioning that you cannot claim Mortgage interest as an expense in the UK, have no idea whether it would be an allowable expense in Thailand if you were using US as an example.

Even if using the 800K in the bank method you need to be careful about not having consolidated entries... I nearly got caught out by them when extending at CW but my Agent caught it & took me to the bank to get a statement covering the period in question.

Ahhh got you, you were answering a post on BREXIT, I was just pointing out that prior to 1950s all overseas pensions were frozen & to the best of my knowledge the UK has never stopped paying increases once an agreement was in place.

I think you've got that backwards, prior to the 1950s all overseas Pensions were frozen & it's only since then that some countries have entered into reciprocal social security agreements which include pension uplifts. https://britishpensions.com/state-pension-history-timeline-1/

Are you thinking of CB Media (Believe his name is Chad), he got blasted for wrecking that motorcycle and stopped making videos on Thailand per se to focus on motor related content. Edit: This is the video I was referring to...

State Pensions are not a “Sanctionable Benefit” so they can’t stop paying it, but they can stop paying any other benefits you might be claiming.

40 in my case (was contracted out for a few years). Thats assuming the rules don’t change between now & 2033 when eligible to collect it.

Delete - Duplicate post

He absolutely should get it so well worth him querying it with DWP as they should back date any increases he’s missed so he might be in for a nice Payday 👍🏻

I'm not 100% convinced that it is a reduction in Health Insurance requirements as although the inpatient amount has been reduced, they've re-introduced the (IMHO Pointless ) Outpatients requirement. Has anybody who has insurance covering the current requirements got a quote for changing to meet the new requirements? FWIW If it were me, I wouldn't reduce my Inpatient cover below $100K anyway so would end up paying more to add on the Outpatients.

Technically I don't think that's correct based on the fact that if you were to move to the UK for 180 days and then moved back to Thailand your SP would be reduced back to what it was frozen at before - However, practically I doubt they're able to pick up on this.

You start at the rate you would get if you lived in the UK so would have caught up on all the increases since your pension was frozen but you wouldn't get any backdated payments

Everybody's circumstances are different but I topped up my NI contributions at Class 2 rates (Working Overseas) & the "Payback" is something like 7 months, so assuming I live to 68 I'll be quids in - IIRC Payback at Class 3 rates is something like 7.5 years, still not a bad deal.

As discussed earlier in the thread, they cannot garnish your State Pension to reclaim what's owed but they can use any other benefits you may have (E.g. I would expect a lot of Pensioners relying on State Pension alone would also receive Pension Credits which they can reduce to pay back the debt).

Sorry I should have been clearer, whilst your State Pension cannot be reduced, if you are receiving other Benefits (E.g. Pension Credits) these can so they can get the money back from you.

Whilst the basic State Pension cannot be garnished to repay any (Fraudulent) overpayments, other "Benefits" (Including additional Pension Credits) can be:- Sanctionable benefits The following benefits can be reduced or stopped if you commit benefit fraud: Carer’s Allowance Employment and Support Allowance Housing Benefit Incapacity Benefit Income Support Industrial Death Benefit Industrial Injuries Disablement Benefit Industrial Injuries Reduced Earnings Allowance Industrial Injuries Retirement Allowance Industrial Injuries Unemployability Supplement Jobseeker’s Allowance Severe Disablement Allowance Pension Credit Universal Credit War Disablement Pension War Widow’s Pension War Pension Unemployability Supplement War Pension Allowance for Lower Standard of Occupation Widowed Mother’s/Parent’s Allowance Working Tax Credit

No, just Government Pensions, Private Sector Final Salary pensions are tax assessable if remitted to Thailand

Ex-nurses, firefighters & Police Officers all get “Final Salary” government pensions which are very generous & exempt from Tax in Thailand. It’s the average Joe with little/no additional pension that feels this the most. Should have moved to Philippines (where State Pension is not frozen).