What are the best visa agents in Patong for obtaining a retirement visa without 800,000 baht in a bank account?

Many users recommend the Thai Visa Centre as a trustworthy visa agent in Thailand that can assist with retirement visas even if you do not have the required 800,000 baht in a bank account. However, some users express skepticism about visa agents in Phuket, advising caution and suggesting communication with agents directly rather than relying solely on internet sources. Opening a bank account in Thailand is noted as a potentially challenging process.