French Administration, Legal Issues, Finance and Insurance.

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Latest info re: Carte de Sejour

by Aardvark » Sun Feb 02, 2020 7:30 pm
Last post by elsie » Mon Jul 06, 2020 10:07 am
Replies: 5
by Aardvark » Sun Feb 02, 2020 7:30 pm

First post

The online site for applications is now offline. This message is posted.

The website “ONLINE PROCEDURE TO REQUEST A RESIDENCE PERMIT FOR BRITISH CITIZENS RESIDING IN FRANCE BEFORE THE UNITED KINGDOM’S WITHDRAWAL DATE FROM THE EUROPEAN UNION” opened in the event of a no-deal Brexit which has been ruled out is now closed.

The French Ministry of...

Last post

I posted this on 28 June. The first link is the French Government web site for all Brexit information and contains the updates on and will contain links to the application process. Probably easiest to bookmark that page for further official information

According to this page the application system start date has changed to October 2020:
Due to...

Replies: 5
Views: 763

Last post by elsie
Mon Jul 06, 2020 10:07 am
COVID-19: carte du déconfinement.

by RobertArthur » Mon May 11, 2020 12:42 pm
Last post by RobertArthur » Sun May 17, 2020 2:35 pm
Replies: 9
by RobertArthur » Mon May 11, 2020 12:42 pm

First post

Reading everything about COVID-19 in the French press, about the always slightly different opnions and interpretations of le Matignon and l'Élysée and all the ministers involved: time consuming. Wouldn't it be nice: a concise online summary, fact based. Does anybody feel challenged? Yes, there he is, Thomas Vergouwen, a guy with programming...

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Déconfinement and summer holiday: around the 25th of May we will be informed .... à cette date, nous pourrons détailler le calendrier d'ouverture d'un certain nombre de sites. Ce sont les Français qui seront le moteur du redémarrage de l'économie touristique . Information, source please. Not the Élysée, it's Jean-Baptiste Lemoyne again, Secrétaire...

Replies: 9
Views: 284

Last post by RobertArthur
Sun May 17, 2020 2:35 pm
French Retirement Income.

by goslow » Thu Jul 02, 2020 2:33 pm
Last post by Dilly » Sun Jul 05, 2020 5:12 pm
Replies: 5
by goslow » Thu Jul 02, 2020 2:33 pm

First post

A potential tenant who is about to retire has given us figures of his retirement income issued by the l' assurance Retraite, it appears to be made up from different sources, Carsat, Arrco, Agirc and Ircoutec.
Two figures are then calculated, one a gross figure and then a slightly lower figure being the net monthly figure.
The question that I have...

Last post

His basic pension (Carsat) should be about 50% of his salary, provided he has the required number of trimestres to obtain a full pension.
If he has contributed to AGIRC-ARRCO (and even Ircantec) all his working life, they will provide a good retraite complémentaire.
I'm guessing he'll have a retirement income amounting to around 60% of his last...

Replies: 5
Views: 195

Last post by Dilly
Sun Jul 05, 2020 5:12 pm
Insurance transfered to ANO

by Mrs Archy » Thu Jul 02, 2020 4:19 pm
Last post by Aardvark » Thu Jul 02, 2020 4:38 pm
Replies: 1
by Mrs Archy » Thu Jul 02, 2020 4:19 pm

First post

We've just moved an insurance policy from CA to MMA. MMA have done all of the cancellation paperwork for us and provided the new policy. I didn't think to ask MMA at the time if I need to contact my bank to cancel the annuel prelevement with CA. Is the prevlevement automatically cancelled with the policy or should I contact the bank anyway - any...

Last post

Don't bet on it. Enquire to be sure.
I was made overdrawn by CA after cancelling my insurance, signing all the forms in front of the English speaking advisor, and closing the account. She assured me there was nothing left undone. The fools kept taking out bank charges and chased me for months before they finally got the message.

Replies: 1
Views: 48

Last post by Aardvark
Thu Jul 02, 2020 4:38 pm
Allowing new friend to rent and convert small barn. Possible legal issues.

by Catdogmeledeon » Sun Jun 21, 2020 12:34 pm
Last post by Catdogmeledeon » Mon Jun 22, 2020 7:02 pm
Replies: 20
by Catdogmeledeon » Sun Jun 21, 2020 12:34 pm
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Hi all.

I would appreciate any thoughts on the following issue. We have made a new friend who is down on her luck but has chosen a life of living in yurts etc on common land and moves about following seasonal work. She has asked to put her caravan on our land and also wants to stay in our barn that has not been approved as a dwelling house and...

Last post

On the other hand, if she's called Mary and is pregnant ............................................ well, maybe not in June! :D

:innocent: :D :D :D :D :D
Replies: 20
Views: 791

Last post by Catdogmeledeon
Mon Jun 22, 2020 7:02 pm
Trading Standards equivalent please?

by Hal » Sun Jun 21, 2020 10:53 am
Last post by Spardo » Sun Jun 21, 2020 12:59 pm
Replies: 7
by Hal » Sun Jun 21, 2020 10:53 am

First post

What is the equivalent body in France to the Trading Standards - or should I be asking elsewhere might anyone know?

I bought an item from what appears online a French enterprise. In fact it is a Hong Kong enterprise that markets in individual countries using local email and addresses. Lots of them doing it and I have no problem with the...

Last post

When my Teadrop caravan snapped in two after only 3,000 kms from new

Thats what happens when you rip the R's out of a trailer, or just one R in this case :D

Damn, you've quoted me now so I am honour bound not to go back and correct it. How annoying, I proof read everything I write, how did I miss that? :twisted:

And just to prove it, I...

Replies: 7
Views: 112

Last post by Spardo
Sun Jun 21, 2020 12:59 pm
Slow to chase bills

by Le Démerdeur » Thu Jun 18, 2020 8:06 pm
Last post by Le Démerdeur » Thu Jun 18, 2020 8:37 pm
Replies: 3
by Le Démerdeur » Thu Jun 18, 2020 8:06 pm

First post

Its not just the public hospitals that are very slow to bill people, to chase unpaid bills or even to raise the factures in the first place.

I have just recieved a reminder for unpaid forfait journalier from a clinique privée where I had a coloscopy more than a year since the facture was raised.

I was convinced it was a mistake and that I had...

Last post

Thankyou to you both :good:

Looks like another one that I will no longer have to pay in future now I have the C.S.S. (ex CMU-C)

Replies: 3
Views: 81

Last post by Le Démerdeur
Thu Jun 18, 2020 8:37 pm
Credit card purchases, payments and interest.

by Ally » Mon Jun 15, 2020 5:08 pm
Last post by Ally » Mon Jun 15, 2020 8:12 pm
Replies: 8
by Ally » Mon Jun 15, 2020 5:08 pm

First post

Two questions.
1. If I purchase a rail ticket at £105 using a cc and the journey is subsequently cancelled how easy or difficult is getting a refund directly from cc company?

2. I've already made a purchase of £200 this month so my statement balance before interest will be £305 when my statement is issued on the 25 June. Will interest be applied...

Last post

Is that not jumping the gun? A refund should claimed from the supplier first then a section 75 claim if a refund is not forthcoming.

Nope. From linked article:

You don't have to reach a stalemate with the retailer or trader before you can contact your credit card provider - you can make a claim to both the retailer and credit card provider...

Replies: 8
Views: 143

Last post by Ally
Mon Jun 15, 2020 8:12 pm
Social Charges On UK Rental Income

by tim17 » Tue Jul 30, 2019 12:11 pm
Last post by elsie » Thu Jun 11, 2020 12:26 pm
Replies: 55
by tim17 » Tue Jul 30, 2019 12:11 pm
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Apologies in advance if this has been discussed recently but I can't find a relevant topic.

I've just looked at our Avis and we have been hit with Social Charges on our UK rental income which we've never had before, have the rules changed this year?

We are in the French Social Security system.

Last post

hi Simon,

i am declaring UK rental income for the first time this year on a furnished flat in the UK. I am french resident and dont have an S1. The Uk rental income is lower than my personal allowance so i dont have any tax to pay in the UK.

Do i therefore need to pay the Solidarity tax (7.5%) on my uk rental income, or NO social charges at...
Replies: 55
Views: 2271

Last post by elsie
Thu Jun 11, 2020 12:26 pm
Transferwise problems?

by SP1DER » Wed Aug 14, 2019 9:00 pm
Last post by tim17 » Wed Jun 10, 2020 3:18 pm
Replies: 29
by SP1DER » Wed Aug 14, 2019 9:00 pm
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I transferred some money this morning with Transferwise and it still hasn't gone through this evening which is most unusual. Their website is giving me this message without any explanation :

Your money’s taking longer to pay out
Sorry for the wait — we need a bit more time to process your transfer. The rate for your transfer is 1 GBP → 1.079...

Last post

I used TW for the first time last month and the money hit my CA account within a few hours, can't ask for anymore than that.
Replies: 29
Views: 1483

Last post by tim17
Wed Jun 10, 2020 3:18 pm
Impots again.

by Ally » Mon Jun 01, 2020 6:28 pm
Last post by elsie » Tue Jun 02, 2020 10:14 am
Replies: 11
by Ally » Mon Jun 01, 2020 6:28 pm
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First post

I know everybody's situation and financial affairs are different but when I fill in my declaration( on paper) it takes so little time. It's signed sealed and posted away in no time. Well before any deadline. But then I see loads of threads on here asking for advice or interpretations and I worry that I'm doing something wrong or omitting...

Last post

With implementation of the deduction at source and the automatic notification by French financial institutions many tax declarations are completed automatically with the figures. For those who declared online last year, two-thirds do not need to make any declaration as it is automatic unless they had a change of situation or want to make another...
Replies: 11
Views: 305

Last post by elsie
Tue Jun 02, 2020 10:14 am
Impots sorry

by sprocket » Mon Jun 01, 2020 6:00 pm
Last post by sprocket » Mon Jun 01, 2020 8:13 pm
Replies: 3
by sprocket » Mon Jun 01, 2020 6:00 pm

First post

I thought I had finished the online declaration then realised I had a couple of closed bank accounts in UK. I only closed them this year. So I added them.

However I now seem to have an additional form 2041-E . Can anyone tell me why and / or in simple terms what this form is for. My only income is from UK pensions.

Thanks

Last post

Fantastic help thank you. Spot on. No Check mark in 2041 so clicked it, came out, back in unclicked and 2041 e gone! Validated the rest and finally got to the end, signed and confirmed.

I am so relieved. Phew. I'll risk going back in a few days and screenshot everything, ready for next year.

Replies: 3
Views: 118

Last post by sprocket
Mon Jun 01, 2020 8:13 pm
Hypothetically - tax on big Prem Bond Win?

by Leclairon » Mon Jun 01, 2020 8:46 am
Last post by elsie » Mon Jun 01, 2020 11:56 am
Replies: 8
by Leclairon » Mon Jun 01, 2020 8:46 am

First post

I just got to thinking about the tax that would be payable on a big Prem Bond Win.

If you won the big one, say £1m, would that be added to your normal pension and be classed as 'revenue', on which you would pay 45% tax?

Last post

I vaguely remember someone on another forum, perhaps 20+ years ago, asking about how a big Premium Bond win would be taxed. They eventually heard about and mentioned the spreading option in a post (and that was when I first heard about it).

Replies: 8
Views: 160

Last post by elsie
Mon Jun 01, 2020 11:56 am
UK BANK INTEREST

by Tiram » Wed May 20, 2020 12:19 pm
Last post by curtis » Sun May 31, 2020 6:36 pm
Replies: 29
by Tiram » Wed May 20, 2020 12:19 pm
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Hi...I have always declared our French tax on paper, this year I am doing it online for the first time, managed to get through it but i'm not sure about a few things....I have alway put our small amount of UK bank interest and PB wins under REVENUS DES VALEURS MOBILIÈRES FRANÇAISES ET REVENUS ASSIMILÉS ENCAISSÉS À L'STRANGER ,..Interets et actress...

Last post

Many thanks.
Replies: 29
Views: 553

Last post by curtis
Sun May 31, 2020 6:36 pm
[Need Help] Foreign Stock/Share Dividend, Foreign Bank Savings Account Interest ... ...

by Kuan5485 » Thu May 28, 2020 10:48 pm
Last post by elsie » Sun May 31, 2020 10:12 am
Replies: 19
by Kuan5485 » Thu May 28, 2020 10:48 pm
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Foreign Stock/Share Dividend, Foreign Bank Savings Account Interest ... ...

Hi Guys

Can anybody share me the steps to fill in the following info?
1. Foreign Stock/Share Dividend
2. Foreign Bank Savings Account Interest
3. Life Insurance

As it's my first time to file income tax, I am completely lost
Which form(s) and which field(s) should I fill...

Last post

The 30% tax band does not include social charges. Social charges are separate from tax.

The flat rate tax is for investment income which may include foreign investment income. It is not for all foreign earned and unearned income. It is mainly of interest to French with high incomes and large investment portfolios.

I usually refer to social...
Replies: 19
Views: 408

Last post by elsie
Sun May 31, 2020 10:12 am
Form 3916 covers more than just foreign bank accounts

by elsie » Tue Apr 28, 2020 2:44 pm
Last post by elsie » Tue May 26, 2020 11:30 pm
Replies: 2
by elsie » Tue Apr 28, 2020 2:44 pm

First post

The fine for each undisclosed non-French bank account and/or life insurance policy is €1,500, with no maximum. The penalties for failing to declare a foreign account are the same whether it is active or not and even if you have not deposited any funds, earned any interest/gains or made any withdrawals.

There is a general description in English of...

Last post

No, it isn't new. If you look back at the notes for 3916 you will find it has been that way for many years. But possibly with paper reporting they were less interested unless they found another problem.

The link from www.impots.gouv.fr above has a section: Which accounts are concerned ?
which starts: All bank accounts and life insurance policies...

Replies: 2
Views: 277

Last post by elsie
Tue May 26, 2020 11:30 pm
Annexe 2041 E

by Veem » Mon May 25, 2020 9:25 am
Last post by suein56 » Tue May 26, 2020 8:56 pm
Replies: 14
by Veem » Mon May 25, 2020 9:25 am
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The other day when attempting to fill in the tax forms online, I noticed that annexe 2014 E had been added to the forms I am required to complete. I didn't request it and have no idea what prompted this addition. The form makes no sense to me whatsoever. But it seems I cannot possibly complete my online declaration without either a) completing...

Last post

Such a relief.
Where's the nearest pub?

Hopefully, next year will be easier.

Well .. you could begin by crossing your fingers now about that .. or you could hope for the best, as I do 😉
Replies: 14
Views: 275

Last post by suein56
Tue May 26, 2020 8:56 pm
Awaiting a summons

by Harvest » Sat May 23, 2020 7:03 am
Last post by Spardo » Sat May 23, 2020 2:36 pm
Replies: 16
by Harvest » Sat May 23, 2020 7:03 am
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My friend was stopped and breathalised at the beginning of March and was only just over but still hasn't heard anything. How long will be have to wait, should be go to the local gendames, who stopped him, and ask.

Last post

I'm not sure, will ask, but they breathalised him 4 times to get a reading.....

Is that because he failed to do it correctly?

Or is that because he failed? In which case some of the above opinion may be changed. However, the length of time hearing nothing is in his favour perhaps. :)
Replies: 16
Views: 407

Last post by Spardo
Sat May 23, 2020 2:36 pm
NS&I are closing their international payments service.

by Tom » Mon May 18, 2020 1:12 pm
Last post by Fitter » Fri May 22, 2020 8:11 pm
Replies: 34
by Tom » Mon May 18, 2020 1:12 pm
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You will have to have a UK bank account in your own name after the 19th July if you want to receive any payments from NS&I. They will no longer deal with any foreign banks.

What happens next?
You won’t be able to register any more international bank accounts with us now. But you can still continue to make payments to any international bank...

Last post

I think there might be a minimum £10,000 deposit to open the International Select Access Plus savings account although it does look as though it can go below that but then no interest paid.

I'll have to have a look down the back of the sofa in that case, might have to include the other two chairs and the pockets of all my old clothes as well!...
Replies: 34
Views: 767

Last post by Fitter
Fri May 22, 2020 8:11 pm
Claiming for tax relief on new CH boiler

by Veem » Tue May 19, 2020 2:02 pm
Last post by south_bound » Thu May 21, 2020 5:30 pm
Replies: 12
by Veem » Tue May 19, 2020 2:02 pm
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In 2019 we had gas CH installed. We were told that we could claim tax relief against the cost, but perhaps only the new boiler.

Please could some kind soul tell me whether it is the total installation cost which qualifies or just the cost of materials or only the boiler? I also desperately need to know which boxes to fill in and on which tax...

Last post

I forgot to say that box 7CB refers to my particular case for a new high performance boiler installed between 1st Jan and 7th March 2019, but the other boxes below cover the other various installations that can be claimed for.
Replies: 12
Views: 190

Last post by south_bound
Thu May 21, 2020 5:30 pm
Form 3916: Which non-French accounts do you need to declare?

by elsie » Thu May 21, 2020 10:47 am
Last post by south_bound » Thu May 21, 2020 5:02 pm
Replies: 3
by elsie » Thu May 21, 2020 10:47 am

First post

I’ve posted a version of this in the UK Bank Interest discussion but it seems sensible to give it a separate thread. In the UK Bank Interest discussion, Mangetout indicated a very hefty fine as a result of not reporting all accounts.

It is often said you only need to declare bank accounts held outside France on form 3916 but the scope is much...

Last post

Note the phrase All bank accounts and life insurance policies opened, used or closed abroad during the year. was changed last year (at least in the French wording) to make it clear this includes accounts that are held even if not active through the year: vous devez déclarer les comptes ouverts, détenus , utilisés ou clos à l'étranger. I think many...

Replies: 3
Views: 132

Last post by south_bound
Thu May 21, 2020 5:02 pm
Impots and declaring a UK salary

by sprocket » Thu May 07, 2020 6:18 pm
Last post by Spardo » Tue May 19, 2020 9:28 pm
Replies: 31
by sprocket » Thu May 07, 2020 6:18 pm
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Hoping for some help.
I moved to France last August when I stopped receiving a salary and retired. I am trying to complete my online tax return. Can some kind soul tell me where I declare my UK salary. I can't for the life of me decide which form and which box I should fill in. Tax was paid in UK so how do I tell impots that? I also gather that...

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You need to go back to the start of 2042 and change the entries to the correct lines for 1AM/1BM to contain the UK OAP and private pensions and 1BL to contain the Government pension (which should be the same figure as that in 8TK). That was the reason to go back to the start.

Ok, done that now, finally found 1AM/1BM and filled them in. The...
Replies: 31
Views: 572

Last post by Spardo
Tue May 19, 2020 9:28 pm
Still not received paper tax return

by Veem » Wed May 13, 2020 4:45 pm
Last post by Veem » Thu May 14, 2020 12:34 pm
Replies: 15
by Veem » Wed May 13, 2020 4:45 pm
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Has everyone on here who was expecting a paper French tax return received it already? I haven't and am beginning to get a bit anxious............. No-one at the tax office is answering the phone and their e-mail address seems to have changed. :evil: I e-mail every year to a sip-cie address to ask the exchange rate, but I've today when I've tried...

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Finally a very helpful lady picked up the phone at the tax office and told me the personalised forms are available online and that I should submit my return online too. Frankly I don't think I am able to do that, but I'll give it a go and will call the Helpline number she gave me if needs be. If all that fails, apparently I can make an appointment...
Replies: 15
Views: 328

Last post by Veem
Thu May 14, 2020 12:34 pm
Using a 2074 Form for Share Capital Gains/Losses?

by Pale Ale » Tue May 12, 2020 1:53 pm
Last post by Pale Ale » Wed May 13, 2020 4:30 pm
Replies: 4
by Pale Ale » Tue May 12, 2020 1:53 pm

First post

Can anybody advise me if I must complete a 2074 form to declare capital gains/losses for share dealings.

When I declared in paper form, I never submitted a 2074 form showing how the figure was calculated, but now with the online form if says in bold type that a 2074 must be completed.

To complicate matters when we first moved to France some 11...

Last post

Thanks again elsie.

Unfortunately you are right that the 2074 is accessible from the Annex, it sure does look a brute of a form!

I really do not know if I have been badly advised in the past by the accountant that I used, who told me not to include the 2074 when declaring any gains/losses. I read the magazine that I purchased from The Connection...

Replies: 4
Views: 129

Last post by Pale Ale
Wed May 13, 2020 4:30 pm
Rate for 2019

by bubbles1 » Mon May 04, 2020 8:59 pm
Last post by Spardo » Mon May 11, 2020 2:02 pm
Replies: 22
by bubbles1 » Mon May 04, 2020 8:59 pm
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Eventually got thought to Riberac Tax office (which I do every year) to ask for the rate for Sterling/euro for last years impot - she looked it up and said it was 0,876625 pound stering to a euro - I thought - you have got this really wrong - shame I cant get proof that if what was said - cause I would be happy bunny :D

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you really should use the official rate given by the tax office of the country you delare in.

Everything bubbles1 says makes sense apart from the above. The EC Bank is lord and master of the €uro and their ruling on the exchange rate reigns supreme. The Banque de France is just a paper ( 8-) lots of paper) tiger.

Exactly the part of the quote...
Replies: 22
Views: 566

Last post by Spardo
Mon May 11, 2020 2:02 pm

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