I am still confused by this.
I will send you my October 2013 statement as a starting point as this clearly shows that I have paid in full until 2/1/14 and am short of 509 BHT for 3/1/14.
If I then divide 115,168 THB by 12,851.66 / month this equals 8.96 months
If I add this 8 months to the 3/1/14 this equals November 2014 with .96 / month left over
I hope that the above makes sense
I will send you my October 2013 statement so you can review