This is an alarming occurrence at the moment. We have seen numerous cases were the client has presumed that their visa finish date was not the ink stamp in their passport, but was the 90 day report date. Please be aware that your 90 day report date does not always run perfectly with your one year visa. In most cases your 90 day report date will run past your retirement visa date. For renewing any long stay one year visas, you should always check the ink stamp in your passport and go by that date. For your 90 day report, go by the date on the white TM47 paper stapled into your passport. I would advise you to go to your immigration office and point out your mistake and normally they will allow you to pay the overstay and retain your visa.