val2
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Posts posted by val2
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Well I know what I would say to this bank. Find yourself a better one that treats it's customers better. Never liked Barclays in the UK so they obviously aren't any better in France.
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Are you talking about the Bourse for education needs? If so, I have experience with this.
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I live about five miles towards Morlaix just round on the coast from you.
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This goes to show how people who have retired to France on small pensions being paid from the UK should watch their finances carefully for the forseeable future. This happened in 96 when we only got 6F - 1 and a lot of people had to return because they couldn't afford the lifestyles they were used to.
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Depends on what you do for a living. We have been running a business for seven years in France and have to pay many charges. Are you actually talking just about URSSAF or CPAM, ASSEDIC or what? The more employees you have too, makes for higher charges.
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I think the best thing to do is start with the doctor where you will be living in France as he will have to start the ball rolling again and contact the specialists involved to help your daughter. Remember too, that you will have to contribute possibly for treatment and medical aids in France,but a trip to the CPAM should help you sort this out. I don't think you can do a lot from the UK except contact the DSS Overseas Health section at Newcastle and get their advice. With the top-up mutuelle insurances in France, you don't usually get "extras" like medical aids,false teeth and limbs,shoes etc included and this may work out very expensive. We have a shop in our nearest town which supplies specialist medical needs to order,so there are outlets here for you to use.
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Visit your local CPAM (Caisse Maladie) and ask for their advice and hopefully they might sort out a Carte Vitale if you have your CDS. You will have to supply the usual papers and income details but if you don't ask you won't know, good luck!
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I think you need to get a carte de sjour sorted out first before you start demanding payments from the French government. You do not say whether you will earning in France,but you will be paying tax, how do you know? You have to earn a fair bit in France to pay income tax as most artisans have it offset against all their cotisations paid during the year and usually come out of it not paying anything because of these high payments. The CPAM will usually give info on disabled and other benefits,so pay them a visit and possibly URSSAF the securit sociale.
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I think you will find every business is treated individually and there is no way you can actually predict exactly what you will be paying. Our payments each quarter vary immensely and very often we get bills for some very strange taxes which we incur from building in certain areas. You need a good accountant and if you register with the Chambre de Commerce/Metiers they will give you all the info on accountants,health schemes,pension payments,unemployment payments and securit sociale obligations,plus some of the benefits a new business can also obtain. Doing the TVA return is quite difficult compared to the UK with different rates on various items and no leeway if you cannot get it back by the date or completed properly. Take one step at a time,ask lots of questions and hopefully you will gradually immerse yourselves easily,but don't expect to earn a fortune for a while as cotisations do eat heavily into your finances and never go away. Good luck
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They will have an office in your nearest large town or even a village in the case of Groupama here. Try the local phone book as well.
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In eight years in France I have never heard of any of these banking or insurance institution, are they on the "High Street" or what?
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I'm back to normal today. Just to let Admin know
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I would have to say that you should be very fluent in French speaking and writing if you are in the medical profession. France like the Uk always needs more medical staff,but the language is an absolute necessity so you don't make serious errors. My english friend who married a frenchman in the 60's has been a nurse here for years and has to converse and write in French only.
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Am I the only one without an Inbox icon at the top of the page after I have logged on?
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This could be a bit complicated and I would suggest that you contact the local Tax Authorities, URSSAF and CPAM to find out their requirements in this regarding your cotisations. You don't want to end up with enormous demands and try and explain your way out as ignorance does not count in France where the authorities are concerned.
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There are many companies. Look in the directory under Mutuelle or Assurances. Banks do cover and you could just walk round your local town or large village and discover offices there. Be careful though as some things are not covered like false teeth,contact lenses and you may want a specialist contract. Prices get more expensive with age,but at the end of the day you cannot afford to be without this top up unless you are rolling in cash.
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We cannot receive TV5 and we have all Sky programmes except for the sports channels which you have to pay for. I certainly don't fancy trying to tune it in after all the prvious problems when we went from analogue to digital.
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Lyce is hard enough for the local kids let alone an english student with no previous french education background. I think you should think this out very carefully as you may be doing damage to your daughter's future. My son will be joining his older sister at Lyce next year and is already having to decide what he wants to do as a profession as regards the type of Lyce and course he will have to do.
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You have to go to the CPAM and ask them for the details. It takes a long time as they have to contact Newcastle and you do not get anything for one child. You may also have to produce more than an E106 like a Carte de Sjour for example to proove your residence in France and that you have definately finished with the UK - I had to and that was over seven years ago now.
If you have notified the UK that you have moved to France they will have stopped your UK payments from the date you left so if you are lucky enough to qualify in France you should get that back dated to your last UK payment. For the August school payout, you have to submit your income details to URSSAF/CAF to see whether you will be entitled to it.The forms are normally sent out about March time. -
See my posting below. We never pay for the jabs as long as we go to the Centre as the idea is to get people vaccinated whatever, not have diseases rear their heads again like Dhiphtheria (sorry about spelling) which has been discovered in Paris recently after an asian man arrived with. I suppose there is a little stigma attached with going to the centre in that you find refugee types there,but who cares we are foreigners as well and it makes for interesting chatter.
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A lot of english people coming to France don't realise that you can get free vacinations for everyone in the family. Check your local paper for an announcement by the Centre Mdico Sociale which is part of your local hospital,albeit in a different place. You can have any jab you like - BCG,Tetanus,Polio etc and it costs nothing. They will ask for a Carnet de Sant for your child but if you don't have one, they may provide you with one. We've always gone here for our jabs as an english nurse friend actually does the clinic once a month and told us about it.
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Like the previous message on this forum, visit your local CPAM and see what they can come up with for you, they are usually very helpful and may come up trumps with something you know nothing about claiming for.
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Go to your local CPAM and discuss the problem with their councillor there, they are usually very helpful and will tell you what documents you need from the UK to get into the french system etc. Failing this or they are not helpful, you might try and buy some private insurance with the many companies who advertise in LF etc.
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From our experience whether you are borrowing to buy a car for example or buying an expensive item on monthly repayments in France like a computer, the lenders are not interested in your savings or collateral, only in your yearly income to assess the amount they will loan you to work out the monthly repayments by direct debit from your bank account and they will ask for written proof if it is a large loan. Remember it is not as easy to dispose property in France by creditors as it is in the UK and they prefer to tap into your wages instead.
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