Help & Suggestions please as next year I will have no UK address

[Virtualrecluse]

19 minutes ago, topt said:

Inland revenue is one thing, passport renewal is completely separate.

I am non resident for tax in UK and HMRC have my address here. No issue when I have renewed my passport. 

 

Resident or non resident for tax has no affect on citizenship or more accurately your domicile - although that may be changing.

 

Strictly speaking if you spend less than a certain amount of time in the UK you automatically should become non resident however I think if you don't make it clear to them(HMRC)/give them another address/complete a tax form etc then possibly unlikely they will notice.......

Not sure how the Spanish residency affects that because I believe that comes with tax implications?

Thanks. I pay income tax in Spain as I work there. Now I have to submit a tax declaration to HMRC every year as my minimal dividends there are over the miserable threshhold. Now I am also dealing with CGT there over inherited assets. As non-res for over 25 years, I was off their radar for decades until the above started in 2021. I can see that a UK address is prob. unnecessary when applying for a passport; it's more a concern of what could happen if I no longer have a physical address for banking/financial/accounting purposes. Perhaps this is adequately resolved by using one of the above post box services... 

[georgegeorgia]

10 hours ago, scottiejohn said:

I suggest you keep stupid pointless unfunny posts out of serious discussions!

BTW can I also suggest you learn the difference between a "Loch" and a "river"!

What have you got underneath that tartan  dress Scotty ?

[scottiejohn]

3 hours ago, georgegeorgia said:

What have you got underneath that tartan  dress Scotty ?

More brains that you will ever have!

[Nemo.]

I use UkPOSTBOX. 21 quid a month, its a "real" address so banks accept it, they scan post so you can see it online. They store physical post for like 10 pence a month (eg cards) and you can itbposted at standard PO rates where you like so can be in UK when visiting eg at a hotel l or send to address abroad.

 

Only ever had one issue and that was the Halifax (aka as a bunch of cun#$ who closed all my accounts after demanding I prove I really lived there)

 

A bigger issue though is DONT invest house money in Thailand. You are better off renting your house or investing in UK, then using the rent/dividends/interest to rent in Thailand.

 

Also you will be subject to capital gains tax on your house sale for the tears in Thailand.  Ouch.

[Nemo.]

20 hours ago, Keith5588 said:

I think I will use a mail forward company but at the moment am having difficulty fully understanding.

 

Concerning the UK address that they give you.

A “Street address” has been mentioned  or “A virtual address”.

I assume that they cannot give everyone an actual physical address, that would be totally unmanageable.

 

So what address do they give you? Some offer up to 10 different address locations. Let’s say we select Manchester. Do they give the same Manchester “Street address” to all their customers which is actually their office?

Then they sort all deliveries by the persons name?  Or maybe they give the same address to every customer but add a reference number at the end which is different for each customer.

 

Thanks for any help with this

Keith

Yes and Halifax, from henceforth called a bunch of cun@$, closed all my accounts after a review demanding Ingive then utility bills.

 

So not perfect. Halifax don't allow non residents.

 

Being an expat is getting harder and harder.

[Andyfez]

Don't forget to get a Thai driving license. If you have no address in the UK you'll be unable to renew your UK one.

[Toby1947]

Simple answer is don't do it, there's thousands of skint mugs like you there. Never sell bricks & mortar especially in a civilised society, remember the T shirt slogan No Money No Honey, 

[john donson]

if I could go back in time, I would rent out my home, not sell it...

[rwill]

Find a bank that will allow you to use a foreign address and phone number.

 

Schwab international is one that you can use.  The one thing about them is you need 25,000 USD to open an account (or the equivalent amount in stock transfered to your account with them.

But you can also get a debit card with them that covers ATM frees.  Also international wires are free (they show a $15 fee but immediately reimburse it.

From US banks you can transfer money to them for free but I don't know about from a UK bank.  You would have to ask them.

[Keith5588]

A bit of a summary

Thanks @Nemo. 

You are now the 3^rd person using ukpostbox.  I have had another look, it is £12 per month if you select a Pool, Dorset address, £21 if you select a Central London address. So for me £12 per month and if pay for a year it states 2 months free.  The other processing charges look reasonable e.g. for forwarding a letter £0.90 per item + postal cost.

 

Myukpost seems to be a bit more expensive at £20 per month + £1.50 per letter handled.

@scottiejohn I have just had another look and if I select the £20 per month plan it states “Price fixed for Lifetime” so I am guessing it was £12 when you started.

 

I sent messages yesterday to ukpostbox, ghostmail and myukpost. Only myukpost have replied and they replied quickly and I have just sent them another message to clarify some charges.

 

[VBF]

7 hours ago, Andyfez said:

Don't forget to get a Thai driving license. If you have no address in the UK you'll be unable to renew your UK one.

@Keith5588 has already stated that he has a Thai driving licence and has no further need of a UK one but yes that's a valid point.

 

Also Keith, bear in mind that as you're over 70, you probably know that any UK licence is only valid for 3 years at a time now, so once it expires, you're basically done. I'm coming up against that one next year when I turn 70, however I do live in UK so not a problem for me.

 

Regarding bank accounts, I haven't read this whole thread thoroughly but have you considered banks in the Isle of Man / Channel Islands?  They are more geared up for UK expats.

 

Good luck with the move mate 👍