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Thai law does not recognise defacto relationships at all. Thus you need to rely on the retirement visa, or marry the lady. It may be that you could find a sympathetic immigration officer  prepared to exercise discretion in requirements because you are certainly doing ' the right thing ' by the lady.  Remember that the  Department wants a letter from your bank stating that you have the reqired amount in the account as at the date of application, not average balances over the past 12  months. A little creativeness might see you over the hurdle long enough to get the letter from the banker.
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