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What can I do to ensure my girlfriend can access my Bangkok Bank account if I pass away?

Apr 20, 2025
2 days ago
Fred *********
ORIGINAL POSTER
So I've a bangkok bank account.

If I were to drop dead, is there a way that the girlfriend in thailand would be able to get it.

Preferably with not a lot of drama.

Anyone any idea what I can do.

For what it is my family don't need it. I'd much rather she gets it. Will help her a lot more than my immediate family.

Cheers everyone
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TLDR : Answer Summary
The poster is concerned about ensuring their girlfriend in Thailand can access their bank account upon their death. Several suggestions are provided by commenters, including drafting a legal will that names her as the beneficiary, considering a joint account, or giving her access to the ATM card and PIN. Many emphasize the importance of a will due to legal complexities in Thailand, particularly regarding bank account access after death. Other commenters offer different perspectives, including the risks associated with joint accounts and potential issues if the girlfriend is not the legal spouse.
Ben *********
Think good, talk good, do good.

Well-done Fred
Shane **********
Add her to the account and make it a joint account. Problem solved.
SJ *******
I'm sure she has it already worked out ...including the event you mentioned
Steve **********
Give account number but learn to fly like a bird .You might need it
Peter *********
Just make sure she has your bank card and pin access easy
Dan ********
How about getting her an ATM card and deposit it until you pass
Stephane ******
*****************
Albert ********
If there is enough money to sustain the woman you care about it seems paying a lawyer for a will to make sure she is taken care of would be a part of that sustainability plan
Keith ********
Write a will with a lawyer
Muchlis ********
If u warry enough with what you have after you die. Go to lawyer and make a will to give access to whatever u have and to whoever you want.
Vincent **********
Joint account
Gary ********
@Vincent *********
no way. That's financial suicide. U obviously have no idea of Asian women
Vincent **********
@Gary *******
I have been married to a girl from buriram for 29 years I just might no a little bit about Asian women .you must have had a few bad ones.by your comment so why are you here
Oussama *******
She will spend that money with her new BF after you die buddy. Don't be this much of a sucker. Your "GF" is not special, No woman is.
Fred *********
ORIGINAL POSTER
@Oussama ******
You think i expect her to mourn me the rest of her life.

I would hope she goes and does whatever to be happy.

The money would be no good for me.
Kerry *********
@Oussama ******
you know nothing of his situation nor how much money is at stake.
Pete ************
trust someone with your bank info in case you "drop dead'. Sounds fishy to me...
Fred *********
ORIGINAL POSTER
@Pete ***********
when you say it like that. Lol

But not any good to you if you do "drop dead".
David *********
In Thailand a death has to be reported within 24 hours. So she would have access to your account within 24 hours. Also bear in mind there is a daily limit for withdrawals
Pete *******
@David ********
nope, the bank account would go through probate, anywhere between 6-12 months before the funds are released.
David *********
@Pete ******
My point was that the person would be able to use the deceased debit card up until the bank receives notice of the account holders death
Pete *******
@David ********
that would be committing bank fraud.
Bent *************
Write a Thai will and get it approved by s law firm!
Bill *********
Add her to account make it joint .
Nongnuch ********
@Bill ********
the OP wrote that Immigration does not accept a joint account
Nongnuch ********
While it is also possible to draft a handwritten will, this is associated with considerable uncertainty in Thailand. It is better to draft a will strictly according to the letter of law, according to the Thai Civil Code.

You can have a Thai Last Will set up at a lawyer's office, or download a Thai Last Will template from the internet (check out samuiforsale dot com).

"Thai Last Will" in this case means that it is drafted and designed according to the provisions of the Thai Civil Code. This will therefore is recognized in Thailand.

I can bequeath only personal belongings and possessions located in Thailand. For any property in my home country, a separate Last Will is required.

Each item in my possession must be individually listed in the Last Will. For example, my bank account containing the +800,000 THB baht deposit which I use for my annual "retirement extension," the car, and all of my personal belongings.

The Last Will template obtained from the “samuiforsale” website came as a WORD .doc template. The text can be modified and edited, the template can be tailored to your own needs and requirements.

I first wrote all sections in my native language. I then sent the half-finished template to an embassy recommended translation office, asking them to translate my text into Thai and add it into the template. That’s what they did.

Then I went to the Amphoe, together with my girlfriend and two witnesses (she being named as the “beneficiary” and the "executor" in my Last Will).

On the Amphoe, each page was read out aloud, signed by the witnesses, my girlfriend and me, and got stamped by the Amphur. They did so with every single page. My Last Will consisted of 16 pages.

The head of the office, who did the reading, praised the Thai text as being excellent.

We submitted THREE copies, all of which were stamped and signed by the Amphur.

One of these copies remained, sealed inside an envelope, on the Amphur. We took back home the other two copies.

One copy is intended to be mailed to my country’s embassy in Bangkok in the event of my death, in an addressed envelope, as it states my sincere wish that my remains should not be transferred to my home country, that instead, my girlfriend as my executor can order my remains to be locally cremated inside Thailand.

Should I pass away in my home country, my girlfriend can empty my bank account, as the debit card and bankbook will remain with her during my stay in Germany. Nobody will hinder her. When there are no further account transactions for a period of one year, the account will be automatically closed.

If I pass away in Thailand, the situation is more complicated. The police will order my account frozen. Anyways, before this happens and if my girlfriend starts withdrawing money, she'll be committing fraud and an offense.

The Thai Last Will always has to be approved by a Thai court first. This process can take up to six months (!)

It should also be mentioned that any court executor could approach the heir and demand a bribe. You hear stories like this every now and then!
Fred *********
ORIGINAL POSTER
@Nongnuch *******
Thankyou very much. Very informative.
Paul **********
@Nongnuch *******
excellent post. This is very helpful.
*****
You're too naïve for thailand.
John **********
You’re a good man Fred.
Frances ********
Hmm… can’t designate a beneficiary on your bank account in Thailand? A named beneficiary with a legitimate proof of death wouldn’t be enough in a Thai bank??
Brady *******
Is she writing this and your dead already? Lol
Mike ******
Never.....never give your bank details to any one...
Greg *********
Are you planning to marry? I believe a wife can get the money if her husband dies.
Mike ******
Never...never...have a joint account..
Mike ******
Never have a joint account..
Mike ******
If you have assets in more than one country..you will need a will for each country
Mike ******
As in any country....make a will
Keith *******
I m in the same situation. My partner has told me that on my death she would have to go to court to get my money, Regardless of a will.
Mike ******
See what's your money now....
Mike ******
Common sense...???
Mike ******
@Keith ******
not true...
Keith *******
@Mike *****
fair enough. What's your take on it then?
John ********
@Mike *****
so sorry but it's true because I have been there and even with a will you have to go to court
Mike ******
Why would anyone make a will...
Keith *******
@Mike *****
why not!
John ********
@Mike *****
if you don't make the will your wife will have a lot of problems with the bank getting the money
Mike ******
I can see you are from uk...
Mike ******
@John *******
no problem I said always make a will...
John ********
Mike ******
She has a claim on your account???
Mike ******
@John *******
because you have a joint account
Keith *******
@Mike *****
you can't have a joint account for a visa.
John ********
@Mike *****
no joint account mate
Kent ***********
Yes, write a will
Chizel *******
Do up a Will. You could also leave some cash stored with the Will or with a letter you've left for your loved one's that will tide them over until they can access the bank accounts etc.
Porky ******
If you care for her & want her to be the beneficiary of your Thai finances then I suggest a simple will…

Most Lawyers charge between 5k-10k

If not for the peace of mind then it’s the right & legal way.

The will is her only access to that account.
T ****************
If she’s Thai and a beneficiary, yes. If she’s not, doubtful.
Thomas *******
I share my account ( philippines) with my gf since years. Bith have access, credit cards, etc.
Bill ********
In America, you designate a Pay on Death beneficiary, but I don't know if Thailand has that option.
Leatrice *****************
Did you ask if they will let you put her as a beneficiary on the account like they doing usa?
Tony **********
Make a will. It will take a bit (probate and all) but she will get it and any other Thai assets you may bequeath (car, mc, house, etc) or exclude.
Steve *********
You add her as a POD
Ann-Louise ********
Sorry to jump on your post Fred….

We are in the process of opening our accounts at Bk bank for our Visas, they have said it can only be with Bangkok bank, they have also told us, we can’t have a joint account, it has to be 2 separate accounts, and we are married!

As I will be using the account for shopping, meals etc… I will use my card for everything, hubby, will just putting in the bare minimum, so he has his for emergency use.

Wise owls out there …..

Can we then or How can we open a joint account with SCB ? Do they allow this?
Brandon ************
@Ann-Louise *******
I'm assuming it's an agent or immigration that told you that you can't have a joint account.

That account would be just for your visa. Put your visa money in there and leave it alone to prevent any mistakes.

Once that's settled you're free to do whatever you want with other accounts.
Ann-Louise ********
@Brandon ***********
thank you so much 🙏

We were told by our Lawyer , who is also sorting out our visas.
Fred *********
ORIGINAL POSTER
@Ann-Louise *******
@Brandon ***********
Sorry I'm not sure. Brandon the best to ask about this
Ann-Louise ********
@Fred ********
just a thought for you , do have a trusted Friend, you could give a letter to, giving your bank card pin number to? So in the event of your untimely death, they could give her your letter, with pin number/s to access the account? And your phone?

I’m not into banking apps, so when I get our accounts this will be a lesson or 10 for sure, for us, how to use !

Btw, my friends laugh, as I still write cheques back home!

🤔🙄🤣

Wishing you a happy Easter 🐣.
Nicholas ******
Don’t die Fred..😁
Pete *******
Get a Thai will, approx 7k. Legal and secure way to pass on your wealth.
Phil ******
@Fred ********
Bangkok bank advised me that a will was the only way if your deceased.

Also If living you'll likely need to provide the power of attorney document, along with proof of the person's hospitalization and inability to communicate.
Randy ********
You can do a Thai will, hire an attorney in Thailand and make her the beneficiary. Give them your account information.
Nongnuch ********
@Randy *******
important, not only name her as the "beneficiary" but also as the "executor" . . . Thai Last Will according to the Thai civil code
Tony *********
@Randy *******
strictly speaking in Thailand you don't need a lawyer to draw up a valid will as long as it's witnessed, but I used one just for the convenience. I just walked into a law office and paid them 10,000 baht and it was all done in a couple of days.
Randy ********
@Tony ********
I know you really don't need one, but I would strongly suggest getting one. It's done professionally and would seem more legit if it ever had to go through the court system.
Tony *********
@Randy *******
Yes it's a good idea. It gives me peace of mind knowing that there won't be any issues in getting access to my accounts.
Nongnuch ********
@Tony ********
I have heard stories that the Thai court executor approaches the beneficiary, asking for tea money. Without the court order, the beneficiary has no access to the bank account. Don't forget, this is Thailand, ranking pretty high on the list of corrupted countries
Vicki *********
Make it a joint account ASAP?
Tony *********
@Vicki ********
problem with the joint account is that you won't be able to use the banking app to pay for anything or to transfer money. Those banking rules came into effect a few years ago. Better to make a will which is a very simple thing to do here.
Joseph *******
@Brandon ***********
This might be illegal. If a family member or another Thai with knowledge of the situation (e.g, blackmailer) brings it to either a bank official or the authorities’ attention, she could end up in jail.
Tony *********
@Joseph ******
it is not illegal to make a will making someone else the beneficiary of your account upon your death. Nothing to do with any family members.
Nongnuch ********
@Tony ********
withdrawing funds is illegal until a Thai court has acknowledged your Thai Last Will
Tony *********
@Nongnuch *******
yes I'm sure that's true in every country.
Joseph *******
@Tony ********
I didn’t say it was. I was responding to Brandon’s initial reply to the OP that he might leave his debit card & PIN with his gf. Please don’t create tension here, Tony.
Tony *********
@Joseph ******
I was merely providing an accurate factual response. Your comment that I am creating tension is stupid.
Tony *********
@Joseph ******
I'm feeling very relaxed.
Bruce **********
Buy some life insurance 👍. No probate.
Ian ********
I wouldn't worry . There will be nothing in it in 12 months anyway
Peter **********
Surely with a PIN Number and bank account she can empty your account dead or alive ?

Why tell the bank ?
Nongnuch ********
@Peter *********
that only works if you pass away in your home country. She can then drain the account by ATM withdrawals. Later, if there is no activity on the account for more than one year, the account will be closed automatically. If you pass away inside Thailand, police will freeze the account. She would be comitting an offense if she started withdrawing money.
Tony *********
@Nongnuch *******
the other solution is a joint account.
Nongnuch ********
@Tony ********
many Immigrations don't accept joint accounts to be used as financial proof for the Retirement Extension. The OP already asked his Immigration and they declined. Some will accept if you are married to your partner and will ask for the double deposit - 1.6 million THB
Tony *********
@Nongnuch *******
yes the account used for immigration purposes is the exception which is why a will is the best route to go. I even have joint accounts listed in my will even though there is only one signature required to access it. You might as well list all of them on a will whether they are sole or joint accounts.
Tony *********
@Peter *********
she will be able to use a PIN number until the ATM card expires. Then what? Just make a will making her the beneficiary of the account. It's so easy to do.
Nongnuch ********
@Tony ********
not as easy as you think . . . read my post, please. The Thai Last Will first must be acknowledged by a Thai court, and this can take up to 6 months. And the court executor might ask for tea money.
Tony *********
@Nongnuch *******
if you read my post carefully you will see that I said it is easy to make a Thai will. I made no mention of the Thai court system.
Nongnuch ********
@Tony ********
I set up my Thai Last Will according to the Thai Civil Code all by myself - in three languages. Wasn't what I would call easy. However reading that you had your Thai Last Will set up by a lawyer, THAT of course is easy! 😄😄
Chris **********
@Peter *********
If the bank later see she emtied the account after your death she will get a big problem
Chet *******
Are you able to open a joint account?
Fred *********
ORIGINAL POSTER
@Chet ******
No. No good for the visa I'll be after
Kathy ************
Love is blind

Play it safe bud

You’re just dating

But I seeing people responding to you and planning your funerals, will, and squibbling
Fred *********
ORIGINAL POSTER
@Kathy ***********
Yeah. Your completely right.

But I'd still want to know she will have a few quid.

Will be of no use to me.

Will do her for a few years hopefully
Kathy ************
@Fred ********
spend your money together

Money goes a lot farther in Thailand. Enjoy life 🙏😊🥰
Porky ******
@Kathy ***********
She says after saying “Love is blind

Play it safe bud

You’re just dating

But I seeing people responding to you and planning your funerals, will, and squibbling” 🤦🏻‍♂️

He was looking for advice on a will not a nagging from a hypocritical woman 🤣

3,2,1…
Tim ******
@Kathy ***********
you know someone else said that to me the other day. “Enjoy Life “. It’s a much more profound statement than it first seems. It’s quite ubiquitous in its simplicity, if that makes sense.
Kathy ************
@Tim *****
that words to big for me 🤷🏻‍♀️🤣
Kerry *********
The fully legal way would be to draft a Thai will leaving her the money. Or if you trust her implicitly you could put the money in an account jointly registered with her Having her drain an account registered only to you upon your passing with an ATM card or with the Bangkok Bank might work but it might also get her in trouble since if she's not your wife she ordinarily wouldn't have any right to your money.
Fred *********
ORIGINAL POSTER
@Kerry ********
I doubt she would get in trouble, noone would be there to complain. Noone would know except her.

I'm not wanting a joint account until I'm there living with her.

But maybe I'll give her my card when she goes back home.
Kerry *********
@Fred ********
I'd still put together a will to make sure that her right to the money (and any other assets you mightvhave in Thsiland at the time if your passibg) is unambiguous. I don't think that my wife would remain calm and well enough composed to immediately start draining bank accounts when she learned of my passing, so having some means of the money eventually getting to her on its own would be key.
Fred *********
ORIGINAL POSTER
@Kerry ********
I've so many different options I think.

And I'd hate to get her in any sort of trouble.

But there would be no rush to be emptying the account.

Could be something she does eventually.

But I'd need to make sure she realises that she couldn't tell anyone what she's doing

Hoping all this won't be necessary.

I'm planning on going there soon and building a house and living with her
Kerry *********
@Fred ********
the bank might learn of your death at some point - I wouldn't assume that she would have months to drain the account.
Fred *********
ORIGINAL POSTER
@Kerry ********
If I were to die here. They would never know.

And if in Thailand it wouldn't matter.
Toddy *****
Give it to her now not when you die she enjoy it and you don’t have to worry about drama
Peter **********
@Toddy ****
give it to her now and she will spend all of it, gone!
Gary ********
@Toddy ****
duh. He might never see her again. U do know what Thai girls are like? 100 baht now or 500thb tomorrow. They take the 100thb
Toddy *****
@Gary *******
the good ones don’t run they stay
Gary ********
@Toddy ****
I agree
Peter *******
@Toddy ****
Bad idea, she may be gone anytime
Bob **********
Do a little research
Albert ********
@Bob *********
I wonder why this group is called Thailand Visa Advice|DTV|Retirement & More and not the Don’t Ask Questions Here group? Or the just Google It and Get 100 Different Answers Group?
Bob **********
@Albert *******
what’s a visa got to do with how’s someone can access your money if you die ???
Martin ********
@Bob *********
are you for real ?

What better way than to ask people who have actually been through it. You've got nothing intelligent or helpful to say 🤷🏻‍♂️ Are you just bored ?
Bob **********
@Martin *******
ok just add her to your account
Martin ********
@Bob *********
you're confused old man. Not me 🤷🏻‍♂️
Alan ******
@Bob *********
that's what he's doing here. Asking for friendly advice from those who might know more than he does. It's why these forums exist, but social media being what it is, there are always nasty little trolls lurking.
Bob **********
@Alan *****
why not ask his Bank ??
Fred *********
ORIGINAL POSTER
@Alan *****
Cheers Alan. I did look about. But you can't beat asking the people who live and breathe Thailand.
John ********
I've been down this road ok so it's up to you but you have to write a will you can do it yourself without a lawyer once you have got it done then you have to have 2 witnesses to sign the document then you will need to take it to a lawyer to look after it and he will be able to help her in court to ensure that she will have the money, not the thai government it's going to take about 1 year before she gets the money unfortunately it's how the system works in Thailand, make sure that you have two copies of the will one for the lawyer and one for the lady
Rob *********
This is the answer if you want to be sure. Can also just get a safety deposit box with ATM key and code inside with anything else you might want her to have, get a reputable lawyer to hold a key and in the event of your death give it to her as part of the will.
Fred *********
ORIGINAL POSTER
@John *******
Cheers. It's certainly an option if I cant think of a quicker one
Tony *********
@Fred ********
just go to any law office. I was charged 10,000 baht to draw up a bilingual will in both English and Thai which bequeathed bank accounts. It's a no-brainer.
Kabir *******
Banks usually give options to add nominee in case the account holder passes away
Nongnuch ********
@Kabir ******
a POD is not possible in Thailand with a Thai bank
Dave **********
@Kabir ******
I have not found that the case in Thailand. They do not allow Pay Upon Death (POD) like they do in my home country.
Mel ******
@Kabir ******
Bangkok bank insisted I had to have a will and they do not do POD beneficiaries. Same thing for my bank in Singapore. I went ahead and got a will to cover Thai assets to leave to a Neighbor friend here
Joseph *******
@Kabir ******
American banks, yes. It’s called a POD, or “payable on death.” Tried this unsuccessfully in the mid 2000s with both Bangkok Bank & SCB. They said only way was to write a Will.
Ray ********
@Joseph ******
did you die and then came back again
Joseph *******
@Ray *******
Not sure what you mean by that. A joke, perhaps?
Fred *********
ORIGINAL POSTER
@Kabir ******
Cheers. I will have to look into this one
Kabir *******
@Fred ********
*********************************************************************************************************************
Fred *********
ORIGINAL POSTER
@Kabir ******
Thankyou. I will certainly look into this. Wish I'd known about it when I opened the account.

Next time I go I will see if my bank can do it.

But don't think I'll be going for a few months.
Fred *********
ORIGINAL POSTER
At the moment I'm in the UK. She's coming here for a couple of months soon. But when she goes back my card will be here with me.

Was just wondering if there's a simple solution without giving her my card just now.

When I live over there then there won't be an issue.

Just thinking a bit. You never know what's down the road.

I'd like to know she's OK
Mark *********
@Fred ********
my gf has a 2nd card in Thailand I took out and gave her.
Robert ********
@Mark ********
Which bank?

And what did you say to get another card without blocking the old one?
Mark *********
@Robert *******
in Australia. I just opened another account and gave to her when I got back to Thailand. I transfer money whenever she needs it.

Don’t tell the bank you gave her a card to use though. 👍
Brandon ************
@Fred ********
you can look into opening a joint bank account in the future. You wouldn't be able to use that account for immigration purposes, but it would give her access to the money in the account. But until then, there's not really going to be any way.
John ******
@Brandon ***********
you can use a joint account for immigration purposes.

Me and my English wife have had a SCB joint account since 2018 with over 1,600 BHT in for both our visa’s never had any issues.
Brandon ************
@John *****
some immigration offices will not accept it at all. While some do but require double the amount.
Fred *********
ORIGINAL POSTER
@Brandon ***********
Thanks. I'll need to figure out something.

At the moment my family don't even know I've got a thai bank account.

My money would probably be in limbo for years

Maybe I should tell my daughter and hope that she passes it on if i were to die.
Sylvia ********
@Fred ********
she could mot pass it on without being named in a Thai will and attending court or giving a power of attorney
Rene ********
@Brandon ***********
do a Thai will leaving it to her?
Brandon ************
@Rene *******
sure but that's going to take time and effort which seems like the original post didn't want to deal with
Brandon ************
If she knows where your debit card is and what the pin number is, she can get access to your money. Now that they're only allowing banking apps to work on the phone line that's registered to the same name on the account, ATM card is kind of the only option if you don't want it to go to wills and courts.
Paul ********
@Brandon ***********
I’m sure if caught she would be prosecuted for fraud
Kim *********
@Brandon ***********
the account is frozen when the owner dies - no way money can be withdrawn - so I hear.
Dany ********
@Kim ********
she will be at the atm before you are even cold ;)
Klaus ********
@Dany *******
obviously I have been living in a different country the last 21 years. What self esteem
Nongnuch ********
@Klaus *******
Du kannst schon lange an einem thailändischen ATM nicht mehr umgerechnet 3200.- Euro ziehen, auch nicht bei 30,000 THB am Krungsri ATM mehrmals hintereinander. Das gibt der ATM gar nicht her, ganz egal wie hoch Du das Limit Deiner deutschen Bank eingestellt hast
Nongnuch ********
@Dany *******
the daily limit at an ATM will enable her maybe two withdrawals, then the account will be frozen by the police. She will commit fraud if she withdraws at the ATM
Dany ********
@Nongnuch *******
the daily limit is not something the ATM sets. your home bank does. and you can usualy increase it to pretty high amounts. i for example could easily set it in my online banking up to 5-digit € amount for the daily withdrawal limit. the thai police will do nothing about a foreign bank account.
Nongnuch ********
@Dany *******
even with an Euro account, the ATM has a daily limit and that's surely not a five digit number. A five-digits amount you can only access over the counter, and not even then with all banks without having to pre-order cash with them. The bank rules have tightened all over Europe, I think your insight is obsolete already
Dany ********
@Nongnuch *******
i have personaly taken out a bunch of multiple max amount transactions from an ATM on a single day in thailand. max. per transaction is 30k baht. its only limited by my german bank but i can set that limit in my online banking to any amount i want. 4 transactions is easily doable and that is allready about 3200€… can probably do that even multiple times on different ATM.
Nongnuch ********
@Dany *******
Thai banks maximum daily limit usually is 200,000 THB and only over the counter. On ATM's the limit usually is 100,000 THB within 24 hours
Dany ********
@Nongnuch *******
but we are talking about a foreign account and not a thai bank.
Nongnuch ********
@Dany *******
maybe I should remind you - the OP is talking about his Bangkok Bank account
KC ****
The girlfriend would also be committing fraud by false representation if she used the atm card after his death. Make a will.
Lincoln *******
@KC ***
yeah he'd also wanna make sure there was a very obvious natural cause of death or its gonna look pretty dodgy her running off to the atm with his card the instant he drops dead
Stephen ********
@Kim ********
unless she uses the atm before bank notified of death
Kim *********
@Stephen *******
yes of course
Sylvia ********
@Kim ********
until approved by the court, with a will about 6 weeks
Nongnuch ********
@Sylvia *******
a court order can take up to 6 months, not weeks
Porky ******
@Kim ********
Unless the police have access then the account will be drained empty and the girlfriend won’t see a single baht.
Kim *********
@Porky *****
why would the police have access) not very likely is it?
Jeff *******
@Porky *****
Why would the police have access?
Thai Visa Advice and Everything Else
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