You obviously are not aware that the Australian, American and British embassies will not certify the pension incomes. You really are out of your depth with this subject
It's quite straightforward. Unfortunately this guy is confusing the issue. Seek out Tod Daniels either in this group, or in the Thai visa advice group. This guy knows his visas inside-out and will give you the best advice. My current strategy is based on his advice. He is the guru on Thai visa issues
I'm in the process of doing it myself. I have the list of the requirements from immigration. I do not want to put 800k into a Thai bank account, so I must get the twelve monthly payments in order to apply for an in-country retirement visa. That's the word from the immigration office. So I'm not mixed up about anything, but I'm pretty sure you are! I don't wish to discuss anything further with you as I believe you are referring to using agents to pay bribes to cut corners. I'm not into that. I wish to stay legal. But you choose however you want to do it
I hate to rain on your parade but it seems you have very little knowledge of how the O and OA visas criteria work for citizens of UK, US and Australia. Most of what you're saying here is incorrect. I urge the OP not to take notice of what you're saying as it's too misleading. Good night