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Foxie

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  1. Foxie

    CU

    Since the mairie has already had a go at explaining this and you seem set on disregarding it, why don't you ask EDF/ERDF? They might have a different and clearer way of explaining the new rules. At the end of the day EDF is a public utility. It's the government that sets the parameters of what it must do, what it cannot do, and how it charges for the services it provides. As I understand it, the individual's contribution towards the cost of installing electricity supplies from new is now collected by the state, together with all the other incidental costs associated with developing new residential accommodation, via the tax on new buildings. It is longer paid direct to EDF, as used to happen. Neither EDF nor the mairie can make exceptions. They probably don't like it any more than you do but it's how the new system works.
  2. Foxie

    CU

    +1 for face to face, and try to arrange some kind of interpreter because it's quite complicated stuff. Sorry to be blunt but it was not understanding how things work that got you into the mess in the first place, so now it's important to properly understand it to see if there is a way out and if so, exactly what you need to do. The mairie should know the answers in French but it's not their job to translate complicated stuff into English. And this may sound a bit harsh too but really, don't rely on googletranslate for anything important. You can so easily get completely the wrong end of the stick when you translate from French to English, it can give you the exact opposite meaning if the construction of the sentence is quite complex, and googletranslating your English emails into French can lose a lot in translation too. I wouldn't be surprised if a lot of mairies take one look at googletranslated emails, fail to understand them and put them straight in the bin. They're busy enough answering questions where they do understand what's being asked, without bothering about the ones where they don't.
  3. "I just hope we don't have any medical expenses in the three months after cancelling" There doesn't have to be a break in cover. If one you has conditions that could flare up at any time, you can choose a new mutuelle that allows you to claim from Day 2.
  4. Foxie

    CU

    'Depuis janvier 2015, les PVR n'existent plus et nous ne pouvons nous faire rembourser par votre acheteur les 9000 € de frais de raccordement.' 'The mairee says that since January 2015 the PVR exists and the town doesn’t have to pay towards the cost.' No - what the mairie said was that as of Jan 15, the old PVR process has been abolished because there's a different system in place now, which no longer involves commune claiming costs back from the purchaser. But I don't think this is an issue, you're wasting your time worrying about this. Not surprisingly the commune isn't going to pay for the electricity supply but that doesn't mean electricity can't be connected, it just means it's nothing to do with the mairie. If a CU is granted and building goes ahead, the cost of connecting electricity will be added to the taxe d'amenagement which is payable when the project is complete. Or that's my understanding at least. The CU is the issue. It does mean that EDF won't put in a supply until planning permission is in place and all the documents are signed, but that's logical because what's the point in paying for an electricity supply if you can't build a house. A lot of mairies don't reply to emails.
  5. Get quotes first. You might find that if you've gone up an age band or two since you took out your policies with your present mutuelle, you won't be able to match the premiums elsewhere now. But yes, I believe it is easier to change insurers now under the new loi Hamon, AFAIK it applies to mutuelles.
  6. Foxie

    CU

    "I just don't understand how they can grant a CU one year then suddenly say its not habitable" There's degrees of uninhabitable though - there's properties that are classed as inhabitable but that are temporarily in an uninhabitable condition, and there's properties that aren't classed as inhabitable at all. As said a CU doesn't mean it's a residential plot, it means for as long as the CU is valid it has the potential to become a residential plot, subject to planning permission being granted for whatever you build. Has there ever been any mention ever of taxe d'habitation? If not, that would imply that was uninhabitable as in not classed as an inhabitable property when you bought it. On the other hand if taxe d'habitation has cropped up, and you've either been paying it or more likely getting the Mairie to approve an exemption each 1st Jan on the grounds that it's not currently in an inhabitable condition, then as you say they can't suddenly turn round and say that it's not inhabitable. If no taxe d'habitation has ever been asked for, it looks as if you bought a plot of land not a house. Unfortunately the commune's urbanisme plans are not set in stone, they keep reviewing what they have and how best to make the most of what they have and develop it to meet current and future needs, What's changed is that that the commune has decided it doesn't need any more houses, or at least not right there.
  7. But the OP is not a non resident, so none of that is relevant.
  8. Good luck Tobin but you would be setting yourself a mountain to climb, I hope you have plenty of savings to fall back on because without an income you'll not only have to fund your lifestyle but also pay for your own private health insurance. It sounds as if you're hoping to make a living from writing but that's not going to be easy. I moved to France around 10 years ago as an established freelancer with clients in the UK, and also with fluent French. It took me at least 5 years to be able to lose the UK clients who weren't profitable for a French business and replace them with French clients and eventually achieve a sufficient and reliable income, and most of it is from translating not writing per se. It was harder than I expected and I couldn't have pulled in French clients without being able to approach them in French. Being good at writing English isn't in itself going to unlock many doors, there are too many expats here already for it to be a unique skill. If you must do it, move to a big town not a little village in the middle of nowhere, and don't burn your bridge back to the UK.
  9. CESU is for private individuals, businesses aren't allowed to use this system to pay service providers and you sound as if you're going to be working for gites ie businesses, so it wouldn't be appropriate. As said, as long as the services you provide are in the same ball park as what you are registered for, and most importantly you're paying your cotisations etc at the correct rate and into the correct caisse, it's not likely to cause a problem.
  10. That's probably right. There are only 3 basic categories of AE, commerçants and prof libérale and artisan. It's not the first 2 so it must be the 3rd. Seems to be confirmed here http://www.apce.com/cid95828/services-a-la-personne.html?pid=316 They wouldn't have thought you wanted to be a payagiste because that is MSA and not a thing you can do under AE; Hope this helps.
  11. soi-disant=self-styled, ie what they call themselves comme on dit=as people say, as we say so-called I feel there is a difference
  12. I'm sure it's good fun to tell the bank you were born on the moon and it probably brightened up an otherwise very dull day for the spotty spikey haired youth who was given the job of collating the information - but the problem is that the bank isn't interested in this info, it doesn't need to check it or even read it, it's just the go-between. All it needs to do is to stick the forrm in your file and as you say tick the box to say your file is now up to date. The only time anyone might actually take any notice of what you wrote on your forms is if there is ever an investigation by a higher authority, tax or money laundering or fraud or whatever, and jokes don't always seem quite as funny when you have to explain them to men in suits who don't have much of a sense of humour.
  13. All EU banks have to comply with EU money laundering regulations. If everyone could transfer huge amounts of money all over the world no questions asked, life would be too easy for criminals. Your branch is not threatening you, it is just a local branch and it probably wishes it could ignore the transaction but it can't because it has to follow the rules or get sanctioned. It has to ask you for information and it has to pass this information o. Every bank has a central department that deals with money laundering compliance. Loads of transactions are flagged up every week and the customers are asked the same questions that you're being asked. Every bank processes hundreds of money laundering reports are processed every week, it's routine, and most of them are simply filed away once the information has been recorded and checked. If you don't tell them, your branch will have to pass on to its money laundering department that the customer did not provide the information, what else can they do. It's no good blaming your branch for all this, it would have happened whatever bank you use because they all have to comply with the same rules, and all their systems are set up to flag up transactions that meet the same set criteria. It's not about accusations and conspiracy theories, it's just about establishing facts. The money came from somewhere, they need to know where, and once they know that then as long as it's not drug money or money from selling guns they will lose interest. Hope this makes you feel better.
  14. idun - I agree, my point really was that if AE earnings added up to just a few trimestres, it might be better not to claim it at all - you're not obliged to. If you don't ask for it, they won't chase you to pay you it. Yes the pension is funded by the country where you paid the cotis but the entire amount is actually 'paid' as in handed to you one country. As no doubt Norman has explained, and I'll no doubt get slapped down again if I say any more so I won't. Sorry I spoke ;) Friendly forum, this !
  15. Sorry, another belated thought on this - If you're not planning on working in the UK between now and retirement, you'll probably want to make sure that the UK and not France takes responsibility for your pension when the time comes. If France was the last country you paid pension contributions in before you retired, and if your pension is significant, in theory according to EU regulations France should be responsible for paying your pension. Depending on your circumstance it might be better to write the French pension off, rather than find yourself stuck in the French system for the whole of your retirment. Just a thought, it may be something you want to look into.
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