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Dominique

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  1. [quote user="Quillan"]If it helps this is our cancellation policy which is an English translation taken from both the GDF and Clevacance documentation and as stated in the 'little book' issued by the  "Ministère de l’économique des finances et de l’industrie" I decided to use this as its mentioned in all 3 places and I felt that if it ever came to a legal dispute I might stand more of a chance. I also have at the beginning that only French law applies and the terms can only be changed by the consent of both parties in writing and signed. If you want to see my complete Terms and Conditions then click HERE Cancellation of Reservation Any cancellation must be notified (in writing) by registered letter or telegram: - If more than 90 days notice is given the deposit will be refunded in full within 30 days of receipt of the cancellation letter or telegram. - If notice of cancellation is given between 61 and 90 days 75% of the deposit will be refunded within 30 days of receipt of the cancellation letter or telegram. - If notice of cancellation is given between 30 and 60 days 50% of the deposit will be refunded within 30 days of receipt of the cancellation letter or telegram. - No deposit will be returned if notice of cancellation is given less than 30 days prior to arrival. The owner recommends that all guests take holiday cancellation insurance So in my case this is how I would approach the problem. [/quote] Hi, I know I don't post very frenquently ! but there is another clause in the Clévacances T and C that state: Should the Tenant cancel at any time before arrival because of force majeure duly supported by valid reasons, the Landlord shall return the advance payment in full within 30 days of the date of cancellation. Whether the volcanic eruption is force majeure could be open to discussion ?  Some insurers appear to have classified as as Act of God , some are refunding, so hard to know. Best regards Dominique
  2. Unfortunately this applies to all large cities in France (over 150,000 people I think) There were two articles in the Times recently: http://property.timesonline.co.uk/tol/life_and_style/property/buying_and_selling/article7049377.ece AND http://property.timesonline.co.uk/tol/life_and_style/property/buying_and_selling/article7057964.ece Dominique
  3. Good afternoon Here I am, a rare poster and regular "lurker" in need of some info, please re: There is a fiscal difference in running B&B as opposed to a gite. Have a look at this website which deals specifically with gites and B&B : www.laymyhat.com I have had a good trawl and search on Laymyhat but I cannt find a clear explanation of the fiscal difference between a B&B and a gite. It seems to have something to do with "para-hôtellerie" ? If you could enlighten me a bit more, I would be very appreciative. Best regards Dominique
  4. Having read this thread, I am now totally confused about the payment of CGS on non-government pensions (UK and Irish). Ron said : The CSG and prelev sociale are only calculated on the declared unearned income. In the listings on page 3 of the contributions sociale which list the revenus on which CSG  and prelev sociale are levied it does not include pensions. can you just tell me on what document is this page 3 with the listing ?  thanks the Cleiss ( http://www.cleiss.fr/docs/regimes/regime_france/an_0.html)  website states: The CSG is paid on income from employment, substitute income, property income and investment income. The CRDS, which came into effect on the 1st February 1996, is also paid on all income. All persons treated as residents of France for income tax purposes and subject to a French compulsory health insurance scheme are liable to the CSG at the rate of 7.5% and the CRDS at the rate of 0.5% on their earnings. Surely pensions are "substitute income", thus liable to CSG at 7.5 per cent ?  I have been asking the person who helps us to do our tax return and he told me that he has been getting different answers from different officials, and so far, we have not been affiliated to the French Sécurité Sociale, so not relevent at the moment. Dominique
  5. re: What happens to French nationals who have made their careers elsewhere (200,000+ in London alone) I suppose some of them contribute to the C F E (Caisse des Français à l'étranger), although I have no idea how many expatriates take up this option Dominique
  6. Hello Tony F,  RE : the French have effectively covered their backs by including their own national inactifs in this as well so they will be treated in exactly the same way. I have not seen any evidence so far that the French inactifs cannot join CMU.  I have read that Sarkosy wants to increase taxation on pre-retirement packages from private businesses. Is not an "inactif" person someone who does not work AND  is not registered as unemployed and looking for work ?     Dominique
  7.     re: I work for 2 employers who pay me with CESU and they both use normal cheques... Weird.. You can now use any method to pay somebody under CESU (personal cheque, cash) in this case, the employer registers  on the CESU website and makes all the  declarations on their webite . The person being paid with the CESU system can also register and check the declarations made for them, and I think, can print an "attestation d'emploi",  and this is all quicker than using the cheques issued by a bank. Dominique
  8. Hi, re: obligation to affiliate to French Social Security.  I have been thinking about this one and have gone back to look at the wording used and have found this: MM. Xavier Bertrand, ministre de la Santé et des Solidarités et Philippe Bas, ministre délégué aux Personnes handicapées et à la Famille viennent de réaffirmer, le 24 janvier 2007, l'obligation d'affiliation à la Sécurité sociale pour toutes les personnes qui travaillent et résident en France. Ils tiennent à démentir une nouvelle fois les allégations sans fondement selon lesquelles des directives européennes auraient mis fin "au monopole de la Sécurité sociale". Basically it says that on 24 January 2007, the minister for Health confirmed again that all persons working and residing in France have an obligation to affiliate to French Social Security. It seems to me that the key words are "personnes qui travaillent et résident en France".  It does not say, work or reside in France", it specifically says "work and reside in France". Remember that Mr Bertrand's statement was on foot of a small campaign by French workers to use EC legislation to argue that they did not have to pay contributions to French healthcare, which some find too expensive and bad value for money. The 2004 EC directives says that non-working EC nationals must have sufficient resources to support themselves and not be a burden on the country's healthcare; hence, they are not entitled to French SS (unless they have some E form that covers them from their country of origin) Hence they cannot be obliged to affiliate to a system, to which they have no entitlement in the first place ? Does this make any sense to anybody else ? it does look as if comments along the line that non-active EC nationals  moving to France should never have been allowed to join the CMU in the first place, make sense in view of the 2004 EC directive. To add to the confusion, a lady has posted to the Expatica.com forum, stating that she had been asked to return her Carte Vitale, and has since received another letter from CPAM, asking for proof of residence. I reproduce her post below (hope it's OK?) We've read loads of posts on all the other expat and french info sites and, very gradually, it seems to be becoming clearer. It looks as though we should be allowed to continue with CMU but it remains to be seen if we can get our local office to accept that that is the case! You asked me for the exact wording of the letter we got - it's as follows... ---------------------------------------------- ----------------------------------------------------------- Pour me permettre de donner suite a votre dossier, je vous remercie de bien vouloir me retourner la presente lettre, apres avoir fournis les pieces ou renseignements ci-dessous: - Conformement au nouveau decret du 21/03/2007 tout resident communautaire non actif se trouvant sur notre territoire et ne pouvant beneficier ou continuer de beneficier des droits europeens sur presentation de formulaire tels que: E106 ou E121 ne peut beneficier de la Securite Social mais doit contacter ane Assurance Privee. En consequence vous voudrez bien nous retourner vos CARTES VITALES ------------------------------------------------- ------------------------------------------------------- A couple or days after this we received the normal letter with forms to renew our CMU but saying they needed further proof of permanent residence such as regular gas or electric bills. We have now completed and handed in these forms....we await the next developments..... Sadly, it does seem from what I've read that new arrivals in France may have to pay for private cover although I'm not sure how that equates with the fact that it's supposedly illegal! I can't get over the fact that an important change like this is still undefined when it comes into effect (I think) at the end of this month!! ================================================================================================= I hope it's OK to quote the post and that I am not adding to the general confusion. I have asked the lady who posted the above, to also post on those forums which are actively discussing this issue, as I think it could be of interest to other people. Unfortunately, I don't know where she lives and from what I have read, it could make a difference ? Dominique (post edit by a mod to make it a little less wide)
  9.     Hi, just to advise that VHI only take Irish residents.   (in case this info is of any use to anybody !) Global from Vhi Healthcare is International Private Health Insurance for Irish residents who are moving, travelling or studying abroad for more than 6 months. Dominique
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