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john west
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Posts posted by john west
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On 8/23/2019 at 1:03 PM, spidermike007 said:
Not just getting your money back from a car dealer. Getting your money back from nearly any Thai person is tantamount to a miracle!
Unless it is family, trusted friends, and the like. Have you tried getting a refund on a product? Or getting your deposit back on your house or apartment? Sure, there are honorable people here. But, for some reason, there are alot that have an easy time taking your money, and a very, very hard time giving it back!
On 8/23/2019 at 3:38 PM, spidermike007 said:Nah. I use it maybe 4 hours a week at most. The thing should last 20 years. Not like it is being used in a gym. Home Pro is totally responsible as they sold the product. I am not expecting warranty service, and am willing to pay for the service, which they are obligated to provide. I do not live in Bangkok so finding a local repair facility is just not feasible, nor reasonable to expect. And I do not make a habit out of "throwing away" 3 year old, 30,000 baht items. I leave that for the wasteful, multi millionaire types.
Spidermike Too right and what's more they try to make you out as the guilty one and tell a pack of lies
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6 minutes ago, ThaiBunny said:
AFAIK Thailand would be a trailblazer if all tourists had to pay an insurance levy. I can't think of another country where the government attempts to collect an insurance levy on travelers whether or not they have a visa (remembering that many countries are eligible for visa exempt)
I know Bermuda does and also other Countries have departure tax a bit different I know.
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1 minute ago, malagateddy said:
Howsabout 12000 baht from every one.. paid when you do your annual extensions of stay .. all the money going to the Thai health service ??
Sent from my SM-G7102 using Thailand Forum - Thaivisa mobile app
And all covered including ex-pats??/ and a medical card!!!
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3 hours ago, Max69xl said:
Do you live in Phuket? Phuket is one place that the government incl. The Ministry of Health was thinking of when they got the idea for a mandatory accident insurance at the airport on arrival (just a small fee). The 300 million baht comes from an article in The Nation earlier this year. If you read newspapers and not only threads here,you might learn something about the real world. Learn how to use Google and a new world will open up for you.
Max69xl
Yes remember seeing this and yes the small fee should be added on for all tourists everywhere, regardless of location and would bring in a lot of revenue, but how this would be passed on would be interesting indeed.
Also for new applications from home country it is classified as an O/A Retirement and if one stay here than it is called an extension of stay and not a visa.
also and do not understand but have my Thai Family and basically have provided and look after my Dear Thai wife and 2 Granddaughters (well really Daughters as we treat them as such) but cannot get on the Family medical policy and have tried many times and after all most of us provide the vast amount of money needed.
Probably want high seperate insurance and the funding for and surely the 800k or 400k funds required for renewals and one can not touch it can be used for medical insurance or place funds in to another account for this purpose.
Medical insurance is very very hard to get at 69 indeed and yes only for O/A retirement and the cover required or suggested very high for outpatients and low for inpatient cover.
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26 minutes ago, dcnx said:
That’s phase one. Everyone will have to have this.
One group won’t get forced insurance while another group doesn’t. Use your head.
No only those getting visas from the UK and an extension of stay is not an A/O visa.
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23 hours ago, Tuvoc said:
For those of us with Thai wives, leaving Thailand isn't really an option in most cases !
Well put and bringing up the Family as best as one can with frozen state pensions but it is always financial and they never take in to account the homes of course not in our names.
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17 minutes ago, sumrit said:
Yes, I remember reading that bit now. I very rarely use my laptop for banking, it's much quicker and easier to use my mobile so I'll just have to wait and see if they recognise that, and if there's a text message option to send the code. I agree though, it is getting increasingly much harder to stay here in Thailand. IMHO it will cause a lot of problems but here's hoping too much for all of us.
hI mATE It appears you do not use your system vi on line computer but just make sure in your personal details that they have your correct mobile/ landline which i don't have but will use my Wife's We will all find out soon enough.
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14 minutes ago, sumrit said:
Lloyds Bank have been using a similar form of secondary authorisation for years now, but only when setting up a new recipient on line for you to send money to. After setting up a first time transaction on line they give you a code number on your PC/mobile screen, then they phone you and you have to put that code number in using your phone/Skype keypad with that phone call to authorise the transfer.
Assuming you have more than one phone number registered with the bank, when they are going to make the phone call to you all registered numbers come up on the screen and they ask you which number you want them to use.
You only have to do that once at the moment, all transfers go through in the normal way after that.
I should imagine it will be a similar system but you will have to do it every time with all transactions after the 14th Sept.
In the recent message I had from Lloyds about this new system they also said, if you use fingerprint recognition (like you can do to log on to their mobile app) they would recognise and accept that, although that wasn't entirely clear so I guess I'll have to wait to see if the fingerprint option also refers to the second security phase.
Personally, I have three phone numbers registered on my Lloyds account, a SKYPE UK landline number, a GiffGaff UK mobile number and my Thailand mobile number. As I've set up new recipients in the past, in turn I've selected all three phone numbers (just to check) and they all work. The Thai mobile and Skype (which is effectively a virtual number) numbers are both acceptable to the Lloyds system as well as the standard GiffGaff mobile number, at least at the moment.
Hi Sumrit
Yes thx for that and have just reread the letter sent from LLoyds (have u rec'd got mine 2 days a go) but it states if you use your own computer/tablet for Internet Banking, then we will ask you to trust it when you log on for extra security.
States th mobile Banking App which I have not got and
Make sure your telephone numbers up to date and if we do not recognise the computer you are using we will text you passcode to confirm it is really you.
I don't have a mobile or landline but use my wife's number.
we shall all see how it all pans out but it is getting increasingly much harder to stay here in thailand.
IMHO it will cause a lot of problems but hers hoping not too much for all of us.
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1 minute ago, john west said:
A word of warning and these useless uk banks (what's new) you can contact them only by letter to one address only and if lucky to ask on a twitter account it depends who you talk to and one get a differing answer from most of them!!!
I have just asked my bank for an answer to my tweet last night and asking whether u would send a code by email (I doubt it and probably not secure??) or whether it would always be by code each time. Not to hard to answer, surely??? LOL
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35 minutes ago, BobBKK said:
I also`
I also have a Nationwide account and its locked up with a few thousand in it. Looks like I'll have to go back to UK to sort out Nat West and Nationwide. They are a pain in the ****
A word of warning and these useless uk banks (what's new) you can contact them only by letter to one address only and if lucky to ask on a twitter account it depends who you talk to and one get a differing answer from most of them!!!
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13 minutes ago, IvorBiggun2 said:
I'm somewhat confused. My bank sez I can use an email.
Not sure about the banks using email but it would be very very useful for some.
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6 minutes ago, BritManToo said:
I manage without a debit card.
I did make a complaint to NatWest about the new security (only way to contact them), got some BS reply from someone who didn't apper to understand English, guessing the account handling centre is located in Mumbai.
Been using the mobile app to move my money around the past year, which hopefully I can still do.
Just in case, I'm bringing over more money that usual this month, and moving some money to my Transferwise account just in case.
I guess we all need to start thinking about moving on from the 'big 4' banks, who don't seem to want us any more, and start using more modern banking like Transferwise.
I looked in to Transfer wise and you still have to transfer funds from our bank account to them and is there a minimum or times you have to use them and is it easy to sign up? thanks
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1 minute ago, KhunBENQ said:
Yes, as I understand.
Up to now I can handle the accounts with the mobile alone and this should not change.
Thanks Khun and some may have to use their partners mobile on the personal details of your internet account and it will be interesting and we await and see all the problems
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1 minute ago, KhunBENQ said:
Well, that's described as one of the oncoming changes effective Sep 14.
No more login without a "two factor" authorization which is usually a TAN.
LOL what is Tan short for. sorry gang and think if you have a mobile that is enough, or is it not? who know the banks and others never seem to know and depends who you manage to talk to anyone these days and it is all done via computer and no personal attention ever.
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Just now, BobBKK said:
Nat West is such a croc of **** I have not even used my 40 year old bank account with them. They are totally UK centric and I cant get cards or that card machine thingy sent here.
Yes indeed and you have to get a friend to authorise them to send it but that is not enough and still problems when the card does arrive and do not forget even if you use a debit card, one gets charged by outgoing and incoming banks and the ATM charges even more. Good luck everyone and IMHO think there are going to be serious problems getting our very small monies.
As I have said there are more and barriers to overcome and this is a direction of the EU, who we are supposed to be leaving AFTER WHAT 3 YEARS!!! and the EU still and will still tell the UK what to do!!!-
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1 hour ago, KhunBENQ said:
Yes, for each login and transaction.
There might be exceptions for small transactions.
So far it was possible to login with just username and pin/password.
No more.
Also certain rules for the username will apply (not account number, not real name?).
1 hour ago, KhunBENQ said:Yes, for each login and transaction.
There might be exceptions for small transactions.
So far it was possible to login with just username and pin/password.
No more.
Also certain rules for the username will apply (not account number, not real name?).
1 hour ago, KhunBENQ said:Yes, for each login and transaction.
There might be exceptions for small transactions.
So far it was possible to login with just username and pin/password.
No more.
Also certain rules for the username will apply (not account number, not real name?).
Yes and it states that if they recognise that you using your own home computer as well and they know the email with prior transactions.
I am worried for those who have no mobile or landline and there are a few and some do not need a mobile, as simply do not use it , but believe one has to top it up for only 100 or 200 Baht.
IMHO think there are going to be major problems ahead and just how much more security is needed and enough problems trying to stay here as well. -
this is for people who use on line banking and apparently all UK banks from 14th September are required by the EU (we supposed to be out LOL) and a new line of security is coming in.
What it entails is that you have your current password and so many digits at present but one has to have a mobile and landline and the banks will send a passcode for entering on mobile and computer.
Yes most do not have or have no use of a mobile, but it appears one has to, but the way around it of course is to use your wife's one and no one knows if one will have a seperate code every single time, even just for checking??
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5 minutes ago, BritManToo said:
Thailand,
My 8 year old costs 6k/term for the uniforms/books/extras in the Amphur government school.
My 20 year old costs 10k/term plus 1,000bht/week in 'expenses' at CMR University.
Two terms a year,
Not all that expensive IMHO, and only just over a year of university left, then she says she'll be paying to support me.
5 minutes ago, BritManToo said:Thailand,
My 8 year old costs 6k/term for the uniforms/books/extras in the Amphur government school.
My 20 year old costs 10k/term plus 1,000bht/week in 'expenses' at CMR University.
Two terms a year,
Not all that expensive IMHO, and only just over a year of university left, then she says she'll be paying to support me.
Pleased for you and yes the added bookis and other stuff too and pocket money and ours is not a Government school but nice that you Daughter going to help you when your money dries up. I keep telling this to our two!!! 30,000 plus for one term for one student.
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1 minute ago, BritManToo said:
Education until age 19 is free in the UK.
University is optional, and dad doesn't have to pay for it.
1 minute ago, BritManToo said:Education until age 19 is free in the UK.
University is optional, and dad doesn't have to pay for it.
2 minutes ago, BritManToo said:Education until age 19 is free in the UK.
University is optional, and dad doesn't have to pay for it.
IAM TALKING ABOUT tHAILAND EDUCATION OK 30K PER TERM AND RISING FOR EACH STUDENT
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14 hours ago, BritManToo said:
You can take your children, father with 2 kids gets you a minimum income of 20,000 UK pounds.
If one of your kids has a medical disability, I would have thought she would be better off in the UK.
Or you could economise and learn to live on less here.
If you already own your own home, 15-20kbht/month should be achievable.
Well it is not and do you know education for one very very expensive. Sorry impossible to live on that.
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11 hours ago, kingdong said:
whilst i sympathise with your personal position,it would appear the baht is getting too strong against all major currencies,not just sterling,and its not all down to brexit..still, you still have a country you can go back to[at the moment]
Yeah lol a country we can go back too. Really and they will ask stupid questions "As why did you leave in the first place"
Yes agrees the Baht is so very strong against many currencies and the manipulators coining huge profits for keeping currencies high and let's not forget the Thais are really suffering and it seems prices going through the roof with much smaller spending power ie frozen state pension and these pee poor exchange rates.
Going back is getting harder and also impossible with Thia Family and many have no Family back there or property but you have to have 63K in savings and earn 1,800 Sterling a month, which most of us have not got after providing homes for our loved ones.
Hard times indeed and yes Families having to split up.-
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19 hours ago, jimballard said:
Some people seem to think this is funny. For me and my family this is turning out to be a huge tradgedy. At the age of 62 I can no longer properly support my family in Thailand and will have to leave my wife and children to go back to England to try to find work. I have not been to England for over 10 years and have nothing there. I have no idea what I will do maybe drive a taxi or van. Fun and games for Boris johnson and him millionair mates but disaster for the little people.
19 hours ago, jimballard said:Some people seem to think this is funny. For me and my family this is turning out to be a huge tradgedy. At the age of 62 I can no longer properly support my family in Thailand and will have to leave my wife and children to go back to England to try to find work. I have not been to England for over 10 years and have nothing there. I have no idea what I will do maybe drive a taxi or van. Fun and games for Boris johnson and him millionair mates but disaster for the little people.
I don't and many people don't think it at all "funny" and yes been here over 10 years and the situation is not good on a frozen state pension and pee poor exchange rate and yes we know partly but also the very very strong Baht and yes raising a Family is getting harder and harder.
Many people have no property or indeed any Family and yes all over the World British subjects, particularly those in Canada who also suffer frozen State pensions and yes decreasing amounts to spen each year.
The Thais are suffering too, let's not forget and those who export their produce abroad are getting less and less and of course prices sometimes it seems go up 100 per cent.
By the way, it is getting even more difficult to go back and also being British does not help but one has to have 63K in savings and over 18,600 earnings to be able to bring your wife to the UK.
It was very hard indeed 12 years ago and now just about impossible and yes Families in Thailand and elsewhere are being seperated. But what do do??? -
20 minutes ago, peterb17 said:
My reply was even by Western standards- £30000 is a considerable sum to many retirees- which is the context of this thread - not all of us spend their time pouring over spread sheets - looking for the latest investment opportunities ( probably taking advantage of the poorest on the planet, stripping out rain forests, looking for the latest in climate change crap, investing in very profitable companies who almost slaves sewing garments to feed the demands of the shareholders - let’s not get talking about the Chinese and their Investments who are totally destroying the environment in Laos. )
The corporations and China are ripping out the heart of SE Asia
The ordinary people - the 1% like yourself - become more smug and richer .
IT is a huge amount for especially the Thais and somewhat for the Westerners but we bring up Families and it is very expensive and in particular education and the really strong Baht is hitting the Thais very hard too and ordinary things seem to go up 100 per cent on one week alone.
No it is not a substantial amount of money in my view but a fair amount but it goes very quickly with a frozen pension and these pee poor exchange rates and we know why Sterling is so weak, but why is the Thai Baht so very high and yes it is against other currencies too. TOTAL MADNESS. -
3 minutes ago, RichardColeman said:
This is exactly why it's good to have a Thai wife - 1000 quid was a while back was 47,000 baht. Now its 37,000. Send my wife out to work - 10,000 min salary, makes up the difference, Job done.
That is not easy for sure and that much. You very lucky if you can.
Pattaya: Thai man paid 840,000 baht for a write-off
in Pattaya News
Posted
1000 per cent correct and somehow they make you the guilty ones with a pack of lies and yes many feel Karma will come in to play. really. I do not know anyone with this??