If you travel say 4 times a year, fly in/out, book hotels, have a return ticket home, thats fine on visa exempt. Its when you are trying to live here without a proper visa by taking your full visa exempt days (60 days) then extending (30 days) then doing a border run to start again. You will run into trouble. The Immigration officer will be looking to convince themselves that your either a real tourist or someone trying to stay without a visa.
If you married with Thai child and your on thier birthday certificate and living together you can apply, I switched from marriage to support of a Thai child, the only advantage is in my office you only have to have your 400kthb in the account before you apply, the only downside is it only last until there 18 not sure but like that. The paperwork is just adding the birth certificate. Thier ID.
Why did they reject the photocopies? Ive heard of pictures being rejected because someone was in shorts, I also so Pattaya was going to be an area that they will be more critcal, looks real
Kbank ticks all the boxes however, in the letters The Bank of Thailand instructed (all)banks to do the same, lets hope not, follow through is not a strong point in Thailand