Just because I have done the visa before does not mean that I heeded the advice I gave about not mentioning himself in the process, that was indeed someone else's experience and why I explained that I only read avout it. I don't know how true it is from personal experience.
It does make some sense, as instead of immigration having to check all about their relationship and whether she is likely to overstay etc. She would be viewed as a tourist with every reason to return and no reason to stay in the uk?
I had about 7 or 8 banks that either completely refused or insisted on the insurance before I found 1 that would open without insurance, so it's not inconceivable he might hit that brick wall and have to compromise.
Nobody said it was a requirement ( it definitely is not) they are just effectively taking a sort of bribe.
I checked a few branches when I opened my account and all but one were insisting on the insurance. Luckily I found one that opened the account without.
If all the branches near you insist, see what the lowest price insurance you can get and decide if that's better than paying an agent.
I think you will be okay then John. Instead of spending money with lawyers, why not get someone that can talk Thai and English to sit down with you as a family and talk things through. Explain your needs/concerns and what a good solution looks like for you and your daughter as well as the fact you will continue paying every month. I suspect they will be willing to accept your ideas.
I hope everything works out for you and your daughter. I realise it's a stressful and difficult time for you all.