You have no clue! Myself I know exactly how this process is like. . . . . Applicants will get documents (faked!) from a school, enabling them to exit Thailand and apply for the Non-Imm-ED Visa, then re-enter, get a bank account opened, then do another border run, invalidating the ED stay permit, then apply for the conversion of the visa-exempt entry to the initial 90-days Non-Imm-O Retirement Visa. All this is completely unneccessary and much too expensive. It is easier and cheaper to exit Thailand and apply for a 90-days Non-Imm-O Retirement Visa outside of Thailand. Enter on this visa and get a bank account opened in no time. Agents take 5000 THB for this service
that's the downside when you don't use an agent. Agents pay bribery money to Immigration officers so they look the other way and ignore that you don't fulfill all the requirements.
the landlord must register you by the TM30 system in the house within 24 hours of your arrival in the accomodation. Having a rental contract for a house doesn't cut any ice when applying for the 1-year Extension. However you need to be properly registered in this accomodation, or Immigration will not service you. The fine for a late or forgotten TM30 is 2000 Baht
Warin Chamrap next to Ubon Ratchathani is no touristic area. I reckon you but would have been successful in Bangkok or Pattaya. The situation right now since February has extensively changed.
there is no "1-year visa" inside Thailand. You apply for a "1-year Extension of the Stay Permit" . . this is not a visa, this is an extended stay permit
he could apply for a 90-days Non-Imm-O Retirement Visa anywhere, even in one of Thailand's neighbouring country - as long as he fulfills the requirements