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Hannah

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  1. If you have a loft with windows already in, but the particulars of that property just say "attic to convert", does that mean you still need planning permission to change it from an attic to, say, bedrooms? Or does it just mean that the current owners haven't yet got round to converting it? Thanks a lot. Hannah
  2. Please see below the e-mail I received after my posting - I am now even more confused as I have contradicting information now! "Hello Hannah, I am the author of the expathealthdirect.co.uk website and I assure you that what I say is correct as laid down in Law DDOS of 4th February 1995 which came into force 1 January 2000. There are certain exceptions to this legislation and the law can be used to one's advantage. I have not read David Hampshires book but I understand that he states that pensioners receive free healthcare. This is also untrue. It is not necessarily chepaer to have private insurance at all and the cover you will receive will never be as comprehensive as that received by the French state along side a "top up" insurance. The latter policies by the way are not subject to this legislation I have just completed a document "Healthcare in France - A Guide for the Expatriate" which shows how you can affiliate into the French health system via E Forms or residence criteria. It also includes the role of private insurance in the big scheme of things. It is made up as follows: Background to the French Health System - 3 pages Affiliation - 18 Pages (6 pages are a translation of an application form). This includes the requirements to obtain a "carte de sjour". Insurance - 6 Pages The cost is 9 (nine pounds sterling) including postage. Included in the price is the processing of any follow up of (inevitable!) queries. Clients who receive this document in good time before they arrive in France will gain the most benefit. . Should you wish to go ahead please send a a cheque made payable to EXPATHEALTHDIRECT LIMITED and send it to me: 630 Place de L'Eouviere 83440 Seillans France The document will be despatched by return. Regards Peter Owen Director Expathealthdirect Limited"
  3. I was reading on expathealthdirect.co.uk that it is now illegal for French residents to just have private health insurance to cover them and that they now have to pay the French social security payments instead, plus have top up insurance if they want to. However, in the book "Living and Working in France" by David Hampshire it says that it is much cheaper to just have private health insurance, and doesn't mention it being illegal etc. Can anyone help please?? Thanks. Hannah
  4. If we had income from a rental property in UK and also income from a gite in France, plus interest from savings, how would we be taxed? Would be able to get taxed in the UK on the UK rental income thereby using the better tax allowances there, and then be taxed on the rest in France? Or would it end up the same because we would have to pay the difference between the UK and French tax anyway, because the French tax is more? I know we can get our UK income paid tax-free through the Inland Revenue then pay tax on it in France, but I think it will cost us more this way. Are there different ways of doing this to pay the least tax? Can anyone help at all? Thanks.
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