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07/03/2008, 16:35 Keith CHANNING Joined on 22/11/2007 northern Puy-de-Dôme Posts 52 Re: A Glimmer of Hope? We went this morning to Riom (Puy-de-Dôme) with the filing cabinet. The very nice lady looked through the dossier, took copies of relevant documents (passports, 2006 tax statement, E106 etc., DWP refusal letter & phone bill - I think that was all), noted what we had given for 2006 but asked for 2007 income. I gave her a prepared sheet but she wanted justicatifs. I explained that my pension fund only issue a pay slip when the amount differs from the previous month by £10 or more, so she said she could happily accept bank statements to show the money being paid in to my UK account. Printed these off, went back this afternoon with them and the dossier has now been accepted. We now have the wait. I think I shall delay adding Riom to the list until I get the letter (which will probably come from Clermont-Ferrand anyway) If you want to make an apple pie from scratch, you must first create the universe. - Carl Sagan http://www.beaugut.com    Report

09/03/2008, 11:52 milkeybar kid Joined on 06/03/2007 Posts 51 Re: A Glimmer of Hope? Krusty you asked- One thing she did point out as she looked through our paperwork was that our tax d`habitation shows our home as a maison secondary  and at one stage she said we would have to go to the hotel d`impots to have it corrected but then changed her mind.....do we need to get it changed ? (it is our primary residence). We can pass on to you an experience we had as regards the above quote .Scenario- Note.-Because of our ignorance we missed the first year of declaring tax in France. It was pointed out by a French friend that out tax habitation was high, she turned to the back of the tax habitation and pointed to a paragraph that related to different bands –one for holiday home , one for permanent resident. We thought we were permanent resident because at that time we were paying the CMU (and before anyone shouts –no, they did not ask for our tax form in France , just a letter from our UK bank stating our resources –this was in 2002) . So we go to see another French friend who is in business and had always told us that she has good friends  in the Impot and could always ask for discreet help- ( I explain this so you see we are not flying totally blind in this!) she speaks to the Tax habitation dept – they very, very strongly advised do not query it any further for this last year because there will be a knock on effect – questions will be asked “if you are permanent resident where is the previous tax declarations”!! So the unanimous vote was to pay up the slightly higher tax hab and for the year following it would have reduced to other band of the tax hab and our  declaration of income tax would be already in and everything will be Ok -  don’t rock the boat! In effect the records state we are resident in France from I think 2002 rather than 2001- for us that’s acceptable. I have been watching to see hoping you would get a reply. I read all avidly but apprehensive to write, some people shout just too much at others , scary  –sorry. Hope this helps . Mrs MBK      Report

09/03/2008, 11:55 milkeybar kid Joined on 06/03/2007 Posts 51 Re: A Glimmer of Hope? oops -twice. Moderators- maybe this post above should be somewhere else , does not quite gell wilth "a glimmer of hope"-will u move it?    Report

10/03/2008, 16:27 krusty Joined on 13/08/2006 haute vienne (87) Posts 2,141 Re: A Glimmer of Hope? thanks MBK , I assume the milkybar`s are on you. Quite often threads go off subject , but this could be important to other people too. The part of the form that was pointed out was near the top in a column labeled Nature it has an "S" in it . Our tax hab is only 69 euros ?     Report

13/03/2008, 17:42 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,273 Re: A Glimmer of Hope? Ninthace, have you had any news on your insurance refund yet?  I had a conversation with Exclusive Healthcare today, and they advise us that they will give a full backdated refund of premiums to anybody who is admitted to CMU, from the date of that admission. They also tell me that you should report any insurers who do not comply to your CPAM.  This has already been done by one idividual, and the CPAM in question contacted the insurers and told them that they must cancel policies, on pain of losing their license to trade in France!  Although whether they can force anybody to backdate the refunds is not clear.  FHI is looking into this bit of legislation more closely, but we'd be glad to hear any feedback from people who have or have solved this problem. Healthcare Issues Site    Report

13/03/2008, 18:58 seb47 Joined on 02/01/2005 Lot et Garonne Posts 141 Re: A Glimmer of Hope? Coops - we are paying for our English policy quarterly, and the policy states that so long as no claims have been made, they will refund any premium or part of premium in the quarter of cancellation on a pro rata basis.   Sue    Report

13/03/2008, 19:04 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,273 Re: A Glimmer of Hope? Thanks, Sue.  The interesting point is if - as in Ninethace's case, and as will happen to many - your CMU cover is backdated (as are the payments!) then one may end up paying for both.  The point being, would you be able to backdate your cancellation? - because, in theory at least, we believe this should happen.  As said above, we're doing some research into the law on this. Healthcare Issues Site    Report

13/03/2008, 21:15 Ninthace Joined on 23/08/2004 Haute Garonne Posts 48 Re: A Glimmer of Hope? Coops I edited my post of 25/02 to include the response from my insurer.  They did indeed refund my premium pro rata up to the date when I e-mailed them cancelling the policy.  I think that is entirely reasonable - they were carrying the risk up to that point.  I have yet formally to receive my bill from the French authorities so I have not contested it yet.  However, I don't think it is reasonable for them to charge me for a service they would have refused to provide between the date my E106 expired and the date at which we were admitted to the CMU-B.  Equally, I don't see why a non-French insurance company should have to refund the premium I paid to cover this interval - as I say, they were carrying the risk.    Report

14/03/2008, 10:11 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,273 Re: A Glimmer of Hope? Thanks for that - sorry I failed to pick up your edit.  However, one might argue that if one's cover were backdated by CMU, then any costs should be picked up by them and refunded to the insurance company, so there would have been no liability and no risk involved.  They may take the view (as one company I've spoken to does) that by refunding premiums, they demonstrate goodwill which may bring them future top-up business.  As said above, this is the subject of some investigation at present. Healthcare Issues Site    Report

18/03/2008, 18:39 krusty Joined on 13/08/2006 haute vienne (87) Posts 2,141 Re: A Glimmer of Hope? follow up from the 6/3/08 , something must have been wrong with the form the cpam helped me fill in ....today we have received another one to fill in plus they now want a copy of my passport  ....oh well keep trying    Report

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France Forum » Living » Health » Changes to Heal... » A Glimmer of Hope?

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