Daily Rant

[bunta71]

I was looking to attempt to acquire a small used auto loan and spent the morning looking for answers at Thanachart financing and also talked to two used car dealers, one of which was a falang. The whole catch is one must have a work permit before anyone will finance anything.Now lets suppose half of the expats living here have work permits and the other half like myself are retired with pensions,etc for life. I am thinking that the working person may lose their jobs tomorrow and are risky yet the retired person with guaranteed pensions until death are less risky. I realize Thailand is perfect and that the Thai people are the absolute smartest people on the Earth. So I just am not understanding the thinking on this work permit requirement. Can someone clue this stupid Falang in??? Oh yes ...I am married to a Filipina and all my Thai Girlfriends have small incomes...

[StreetCowboy]

Please don't make your rants a daily event.

Actually, I thought it was more of an ill-natured whinging grizzle and was quite disappointed.

Save your efforts, and let others who are far more capable do the ranting

Do us all a favour

Thanks in advance

SC

[Soutpeel]

OP possible solutions for you.....

Get a job... ...

Go and get a loan from your own country....

if you are retired and you have to buy a car on HP, then may I suggest a motorcycle instead....

[Mario2008]

Let's keep it civil.

2 posts deleted.

[lannarebirth]

Maybe someone with a work permit is considered to be a loanee with roots in the community and would be unlikely to skip on a loan, whereas someone on a pension might be considered to be someone who could skip at anytime with no reason to consider continuing to service their loan because their income remains intact regardless. Just a thought.

[robblok]

Maybe if you do a 60% downpayment it will be easier ? They can always reposes the car then and so its not that risky for them.

[Moonrakers]

How on earth do you expect anybody to give you a loan without some kind of re-assurance that you wont do a runner. Even a Thai has to be able to show a working history before being granted anything.

[gregb]

Did you actually try to get a loan with a Thai guarantor that does have a job and could be legally responsible for the loan?

Tisco and GE are quite willing to work with you, but they aren't going to do anything without a credible Thai guarantor. Can you really blame them?

Who is going to be responsible if you suddenly decide that you would rather retire in Vietnam? No job holding you here now, is there? Look at it from their perspective, and try and present a valid case. They are interested in making money wherever possible. You just need to show them how it is in their best interest.

[GM1955]

I have been invited to participate on a website Forum that has a UK server, it's my brothers Site actually. ( sorry, can't give details, against forum rules )

The website does make money and I'm based in Thailand, would this be classed as illegal work, even though I could do it from anywhere in the world and it has nothing at all to do with Thailand and in no way way am I taking a job away from a Thai person ?

Would I be legal ?

[Spoonman]

I have been invited to participate on a website Forum that has a UK server, it's my brothers Site actually. ( sorry, can't give details, against forum rules )

The website does make money and I'm based in Thailand, would this be classed as illegal work, even though I could do it from anywhere in the world and it has nothing at all to do with Thailand and in no way way am I taking a job away from a Thai person ?

Would I be legal ?

Your working - Yes.

Your In Thailand - Yes.

Work Permit needed - Yes.

[QED]

I have been invited to participate on a website Forum that has a UK server, it's my brothers Site actually. ( sorry, can't give details, against forum rules )

The website does make money and I'm based in Thailand, would this be classed as illegal work, even though I could do it from anywhere in the world and it has nothing at all to do with Thailand and in no way way am I taking a job away from a Thai person ?

Would I be legal ?

Officially no - you would be breaking the law (and many people will be on after me to give you the moral lecture).

Unofficially - working from home on a laptop, chances of getting caught - absolutely nil, as long as you are a little discreet when pished down the pub.

[Soutpeel]

Unofficially - working from home on a laptop, chances of getting caught - absolutely nil, as long as you are a little discreet when pished down the pub.

Well not exactly... "absolutely nil" you would be ok provided you are discreet, keep your mouth shut and dont upset anybody to the point where they would report you...

At the end of the day the the person concerned doesnt need a moral lecture, what he would be doing is illegal, whichever way he trys to rationalise it, he knows the risks and consequences of getting caught, however remote the possiblity is....therefore to use the well worn phrase...up to you..

[GM1955]

Thanks guys.

I kinda had an idea that technically I would be illegal, and I know the chances of having a problem are virtually non existent, yet I would always be open to a problem should someone make a problem for me.

Can a work permit be gained ?

How do ThaiVisa operatives get around this, do they have permits, or do they just assume they will never have a problem and remain illegal ?

I know it really stupid as in no way am I taking away a job from a Thai person in the same way a Thaivisa operative is taking away a job from a Thai person, but are we in fact open for working without a work permit, even though it's unpaid work ?

Seems silly in this day an age where people can engage in Internet work from virtually anywhere. When I'm flying 38,000ft above the ground and contribute to a site, who's laws am I breaking ?

I think I'll go with the ( Chances are so small that it's not worth bothering about) flow, and carry on regardless.

I can't really see The Immigration Police kicking my door down.

[Nowhereman60]

Maybe someone with a work permit is considered to be a loanee with roots in the community and would be unlikely to skip on a loan, whereas someone on a pension might be considered to be someone who could skip at anytime with no reason to consider continuing to service their loan because their income remains intact regardless. Just a thought.

are you serious

[Soutpeel]

Thanks guys.

I kinda had an idea that technically I would be illegal, and I know the chances of having a problem are virtually non existent, yet I would always be open to a problem should someone make a problem for me.

Can a work permit be gained ?

How do ThaiVisa operatives get around this, do they have permits, or do they just assume they will never have a problem and remain illegal ?

I know it really stupid as in no way am I taking away a job from a Thai person in the same way a Thaivisa operative is taking away a job from a Thai person, but are we in fact open for working without a work permit, even though it's unpaid work ?

Seems silly in this day an age where people can engage in Internet work from virtually anywhere. When I'm flying 38,000ft above the ground and contribute to a site, who's laws am I breaking ?

I think I'll go with the ( Chances are so small that it's not worth bothering about) flow, and carry on regardless.

I can't really see The Immigration Police kicking my door down.

Its not "technically" illegal...its illegal

You can be deemed working whether you are paid or not.

Whether you take a job from a Thai national or not has got nothing to do with it...

Stupid or not...this is the current law as it stands, you would be deemed to be working illegally, if caught.

If caught current consequences could be 5 years at the pleasure of the BiB and/or THB 200k fine.

[StreetCowboy]

Re Working Illegally:

Pedant alert: Its the judge, not the BiB that determine the duration of sentence. The judiciary is independent of the police.

In practice, I imagine the consequences would be limited to a little extortion.

Anyway, if you're going to go for it, my recommendation is to announce it on a widely-read internet forum. You might even want to take an advert in the Bangkok Post as well.

SC

[GM1955]

Re Working Illegally:

Pedant alert: Its the judge, not the BiB that determine the duration of sentence. The judiciary is independent of the police.

In practice, I imagine the consequences would be limited to a little extortion.

Anyway, if you're going to go for it, my recommendation is to announce it on a widely-read internet forum. You might even want to take an advert in the Bangkok Post as well.

SC

Just as well this forums anonymous eh ?

[bunta71]

Maybe someone with a work permit is considered to be a loanee with roots in the community and would be unlikely to skip on a loan, whereas someone on a pension might be considered to be someone who could skip at anytime with no reason to consider continuing to service their loan because their income remains intact regardless. Just a thought.

are you serious

Lannarebirth is making my point. And to try to answer other replies... I do have a car and two bikes already, and was interested in establishing some local credit as my plans are to stay here and make future loans easier to get when needed. I am retired w /visa and can't work for several reasons. The first time I ran into the work permit requirement was when I attempted to get a monthly phone service w/ AIS. I was astounded that this company would choose to disregard 50% of the possible falang business potential for no apparent reason. Any loan is risky without heavy collateral but these finance company makes loans every day . My discussions today at Thanachart didn't go into having the thai co-signer . There are surely retirees living here with their thai wives who have loans. But today, Thanachart only imlpied that without a work permit, no loan...

[geeky]

I have been invited to participate on a website Forum that has a UK server, it's my brothers Site actually. ( sorry, can't give details, against forum rules )

The website does make money and I'm based in Thailand, would this be classed as illegal work, even though I could do it from anywhere in the world and it has nothing at all to do with Thailand and in no way way am I taking a job away from a Thai person ?

Would I be legal ?

you're not really clear on this issue; are you getting paid for it?

the fact that the site makes money doesn't matter, the question is whether or not you get paid for it; if not; it's not working, it's not illegal ...

[geeky]

Maybe someone with a work permit is considered to be a loanee with roots in the community and would be unlikely to skip on a loan, whereas someone on a pension might be considered to be someone who could skip at anytime with no reason to consider continuing to service their loan because their income remains intact regardless. Just a thought.

are you serious

Lannarebirth is making my point. And to try to answer other replies... I do have a car and two bikes already, and was interested in establishing some local credit as my plans are to stay here and make future loans easier to get when needed. I am retired w /visa and can't work for several reasons. The first time I ran into the work permit requirement was when I attempted to get a monthly phone service w/ AIS. I was astounded that this company would choose to disregard 50% of the possible falang business potential for no apparent reason. Any loan is risky without heavy collateral but these finance company makes loans every day . My discussions today at Thanachart didn't go into having the thai co-signer . There are surely retirees living here with their thai wives who have loans. But today, Thanachart only imlpied that without a work permit, no loan...

it's the law!

[geeky]

Anyway, if you're going to go for it, my recommendation is to announce it on a widely-read internet forum. You might even want to take an advert in the Bangkok Post as well.

LOL !!

[Moonrakers]

I have been invited to participate on a website Forum that has a UK server, it's my brothers Site actually. ( sorry, can't give details, against forum rules )

The website does make money and I'm based in Thailand, would this be classed as illegal work, even though I could do it from anywhere in the world and it has nothing at all to do with Thailand and in no way way am I taking a job away from a Thai person ?

Would I be legal ?

you're not really clear on this issue; are you getting paid for it?

the fact that the site makes money doesn't matter, the question is whether or not you get paid for it; if not; it's not working, it's not illegal ...

Not true.

You don't even have to be paid to be considered as working. Even volunteers have to have a work permit.

[mahtin]

If they read the op's previous posts about swanning around in a Betty Boop outfit...

[noahvail]

Maybe someone with a work permit is considered to be a loanee with roots in the community and would be unlikely to skip on a loan, whereas someone on a pension might be considered to be someone who could skip at anytime with no reason to consider continuing to service their loan because their income remains intact regardless. Just a thought.

are you serious

So, someone with a work permit isn't going to do a runner? Especially if the job falls through, or he gets a better offer in Singapore? Ah well, good thing my sister-in-law was willing to cosign the 15,000 baht/month payment with her 10,000 baht a month payslip

[surangw]

plan ahead, save up your money and pay cash

[StreetCowboy]

Control your greed and lust for material possessions

SC