Client Experiences
What Clients Say About Working With Us
Accounts from clients who have worked with Naga Counsel on pension matters ranging from first consultations to long-running disputes.
Back to Home8+
Years of dedicated pension practice
340+
Clients assisted since founding
4.7
Average satisfaction rating from client reviews
3
Registered advisers, each focused exclusively on pension matters
Client Reviews
A selection of feedback from clients who have used our consultation and representation services.
Suwanna Wacharapan
Bangkok · Retired teacher
"I came to Naga Counsel not really knowing what my Social Security Fund pension should look like. The consultation was calm and unhurried — they reviewed the documents I brought and explained things clearly. The written summary they gave me afterwards was genuinely useful. I felt more settled after the session than I had in months."
May 2025 · Pension Clarity Consultation
Robert Hargreaves
British national, Bangkok resident
"I had Social Security Fund contributions from fifteen years of employment in Thailand and was not sure whether I was entitled to any pension payments after leaving full-time work. The claim support service was thorough — evidence was gathered carefully, correspondence was handled on my behalf, and I was kept informed at each stage. The process took longer than I had hoped, but that was due to the fund's own processes, not the Naga Counsel team."
April 2025 · Claim Support & Representation
Pornchai Charoenrak
Chiang Mai · Former private sector employee
"My former employer's provident fund disputed a portion of my entitlement when I left the company. I engaged Naga Counsel for ongoing defence. It was a drawn-out matter — nearly nine months — but I always knew what was happening. They were honest about the timeline from the start. In the end the disputed amount was recovered."
March 2025 · Ongoing Pension Defence
Nattaya Thongprasert
Bangkok · Healthcare professional
"I used the Clarity Consultation because I wanted to understand my options before deciding anything. The adviser was patient with my questions and did not push me toward any particular next step. I came away with a written summary that I have referred back to several times. Very worthwhile for the fee."
May 2025 · Pension Clarity Consultation
Klaus Müller
German national, Bangkok resident since 2008
"Straightforward and professional. I needed help with a provident fund claim after my employer restructured and there was some confusion about which entitlements applied. Naga Counsel handled the correspondence directly with the fund manager and kept me updated. The process took about three months. I would use them again."
April 2025 · Claim Support & Representation
Wipawan Phongphaiboon
Nonthaburi · Former government contractor
"My situation was complicated — contributions had been made under three different employers over many years, and there were gaps in the record. Naga Counsel reviewed everything carefully and built the case methodically. The final outcome was better than I had expected when I first came to them. I appreciated that they were honest with me throughout rather than overpromising."
May 2025 · Ongoing Pension Defence
Case Studies
A closer look at three representative matters — the situations clients brought to us, how we worked through them, and what the outcome was.
Social Security Fund — Missing Contribution Records
The Situation
A retired Thai national discovered that five years of Social Security Fund contributions appeared to be missing from her official records. The Social Security Office had no record of those years, though she had continued working during that period. Her employer from that time had since ceased trading.
What We Did
We assisted the client in locating employment and payroll records from that period, obtained confirmation from former colleagues, and submitted a formal rectification request to the Social Security Office with the assembled evidence. Correspondence was managed throughout. Duration: approximately four months.
The Outcome
The Social Security Office updated her contribution records after review. Her monthly pension entitlement increased by approximately 18% as a result. The client had previously been told by the SSO that nothing could be done without documentation that she did not hold herself.
"I had given up on this. Naga Counsel found a way through when I thought there wasn't one." — Client, Bangkok
Provident Fund — Disputed Entitlement at Resignation
The Situation
An expatriate employee who had worked for a Thai company for eleven years resigned and was informed by the provident fund manager that his vesting entitlement was significantly lower than he had expected, based on the fund's interpretation of the vesting schedule in his employment agreement.
What We Did
We reviewed the fund agreement and employment contract in detail, identified an ambiguity in the vesting schedule language that had been interpreted to the fund's advantage, and submitted a formal objection with a written legal analysis. Negotiations with the fund manager followed over a period of six weeks.
The Outcome
The fund revised its calculation and paid out the higher amount — the full eleven-year entitlement at the rate the client had understood. The additional amount recovered was materially larger than the engagement fee. The client did not need to proceed to formal dispute proceedings.
"I was told by the fund that nothing was open to dispute. Naga Counsel found precisely the gap in the contract language that changed everything." — Client, Bangkok
Employer Pension Scheme — Delay and Non-Payment
The Situation
A Thai national approaching 60 had reached retirement under her employer's occupational pension scheme but payments had not commenced six months after they were due to begin. Initial correspondence with the employer had gone unanswered. The employer was an active, solvent company.
What We Did
Following a Clarity Consultation, the client engaged us for full representation. We issued a formal demand letter with a legal analysis of the employer's obligations under the pension scheme rules and Thai labour law. When no response was received, we escalated through the relevant Department of Labour Protection channels.
The Outcome
Payments commenced within ten weeks of the formal demand, including back-payment of the six months that had been delayed. The matter did not proceed to formal litigation. Total duration from our engagement to resolution: approximately eleven weeks.
"I had been waiting half a year and getting nowhere on my own. Once Naga Counsel sent the formal letter, things moved quickly." — Client, Bangkok
Reach Us Directly
We are available during office hours and respond to written enquiries within one working day.
Telephone
+66 2 513 76 49Address
142 Ladprao Road, Chatuchak, Bangkok 10900
Hours
Mon–Fri 9:00–17:30
Sat 9:00–12:00
Professional Credentials
Lawyers Council of Thailand
All advisers hold current registration and comply with applicable professional conduct standards.
Confidentiality Protocol
A formal confidentiality protocol governs all client information. No third-party disclosure without explicit consent.
English & Thai Practice
Consultations, written summaries, and all client communications are available in both English and Thai.
Pension-Only Focus
Naga Counsel does not take general legal matters. Pension entitlement issues are the entire scope of our practice.
Would You Like to Speak With Us?
An initial conversation is straightforward and carries no obligation. We respond to all enquiries with the same care we bring to our cases.
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