keep all records of holidays together, timestamped photos together and with friends and family ..in nice places not bars. Records of your financial support to her, and be able to show translated Deeds of land or anything she owes. As well as her employment status. ..govt employee is good. If you do all that next time, and still get a refusal then go complain to your Westminster MP. he should write to tye home secretary on your behalf and get a favourable response, ..saying apply again and be sure to tick every box. ...thats what happened to me and my GF , now wife
She must have solid reasons to return to Thailand. Eg. Property , investments, a business, family.. a job alone won't cut it because she could earn more with a job in uk/us/aus etc. Also you've got to show you've got a real and long term relationship.
...I went through all of this chap...glad it's behind me now.
if I transfer from a pension fund saving account in UK to a UK savings account to a thai bank account for retirement visa ext purposes,.. is that classed as income? I havent worked for years , no income just living off savings.