Client stories

What was said after the page was on the table

These are households who agreed to be described. Surnames are shortened. The sittings are the ones this office actually offers.

We had already paid a booking fee on a shophouse. The ninety minutes showed the transfer costs sitting on top of that fee, which we had treated as the whole of the cash we needed. We released the unit. I wish the sitting had been the week we first called; the diary was full until the following Tuesday.

Siriporn W. · Mueang Narathiwat · Deposit and Monthly-Cost Mapping

Malee asked for six months of wage slips and the booklet for the pickup. I grumbled at the list. The note, when it came, put the truck installment beside a possible housing installment, and the number was tighter than my brother-in-law’s guess. We waited eight months and bought a smaller plot in Tambon Rueso with a chanote.

Hassan D. · Tambon Rueso · Home-Purchase Readiness Review

My mother wanted her name on the house because the deposit was hers. Arif had us say who would pay if one wage stopped. We did not finish the argument that afternoon. We left with a page that listed three ways we might speak to the lawyer. Two weeks later we chose one, at home, with the page on the table.

Laila M. · Ra-ngae · Joint-Buyer Conversation

The review was plainer than I expected, almost blunt. Four card balances went into one column and the housing figure in my head did not survive. I would have liked a softer first ten minutes. The column was the useful part: we closed two cards before we spoke to the bank.

Naree P. · Su-ngai Kolok · Household Debt Review

I am still in the rented room behind the clinic. The note gave me a monthly amount I can save without skipping the remittance to my parents. It is a slow plan. It names a deposit I can reach in a little under two years if the clinic keeps my hours.

Anan C. · Rueso · Home-Purchase Readiness Review

Two longer accounts from the file

Mueang Narathiwat · Deposit and Monthly-Cost Mapping

A shophouse in Mueang, released before the weekend

A married couple had paid 40,000 baht to hold a shophouse near the market. The seller wanted the rest of a ten-percent deposit by Sunday and had described the booking fee as 'already part of it.' They came to Rueso on a Thursday evening with the receipt and a photograph of the shophouse on a phone.

The tally separated three piles: the 40,000 already gone, the remainder of the deposit if the seller’s sentence was honoured, and a transfer bundle they had not written down at all. Their savings covered the remainder of the deposit and almost none of the transfer bundle. The monthly amount implied by the price also sat on top of a motorcycle loan they had called 'small.'

They released the unit on Friday and lost nothing further. The booking fee came back because the receipt, read slowly, allowed a return if they withdrew before Friday noon. They have not bought another shophouse yet. They asked, the following month, for the longer readiness review, which is a separate fee and a separate set of papers.

Waeng · Home-Purchase Readiness Review

A plot in Waeng with the wrong kind of certainty

Two brothers wanted a plot their cousin had described as 'as good as a chanote.' The paper the seller showed them was Nor Sor 3 Gor. They had already told relatives the purchase was settled. The readiness review was booked because an uncle insisted someone outside the family read the money.

The note did not tell them the plot was unsellable. It said the deed type had to be taken to a lender before any further booking money moved, and it showed that their combined installments left a thinner monthly remainder than the cousin’s estimate. The brothers paused. One lender later declined to discuss that plot; another asked for a survey they did not want to fund yet.

They still visit land. They no longer tell the family a purchase is settled because a cousin recognised the lane. The written note lives in a plastic sleeve with the wage slips, which is where we hope these notes end up.

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