@Darren ********
> Yes I am a UK citizen but my income doesn’t come from there, it comes from investments in Hong Kong.
It doesn't matter where the investment comes from, your embassy must issue the letter. The UK does not issue the income letter to the Thai government.
>Is that a big issue do you think?
Yes, it's a huge deal. If your savings goes below 400K THB, your one year extension of stay based on retirement is voided, and you are on overstay.
However, if you have 12 months of 65K THB of income going to Thailand flagged as overseas, you can change your reason from "banked money method" to "income method". You will need a letter from your Thai bank showing the 12 months of 65K THB of income.