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POST SCRIPT After you have bought your house many questions will arise and these notes are to offer some guidance! These notes are for general guidance only and where appropriate you should take expert advice to avoid costly mistakes. These notes are offered as a public service, without charge, and while I have made my best efforts to ensure these notes are accurate I can accept no liability where action is taken or not taken based on these notes. I have either personal experience of their services or they have been recommended to me.
If you have any comments on your experiences...good or bad...with any of the recommended services, please let me know...06.81.74.98.46 There is no financial relationship between the author and any of the recommended artisans or professionals...they are recommended because their work is good.
Accountant For tax advice in Blake Lapthorn are qualified English solicitors and French Notaires with offices in London and Portsmouth, and offer advice regarding the purchase of French property, tax planning, wills and inheritance, and other legal and commercial matters. Their website is www.bllaw.co.uk, and they can be contacted on 0044.20.7421.1632. Philippe Piedon-Lavaux writes the monthly legal column for the "French Property News" magazine, is the only lawyer in the For advice encompassing the Jean-Paul BIAIS is a bilingual Notaire (French solicitor) and can assist you with any legal/estate and tax matters in Activities in the south-west Charente-Maritime... The Salisbury Cathedral Choir is performing at l'Abbaye aux Dames on Saturday, April 18 at 20.30
Slumdog Millionaire is playing at the Cinéma Le Relais at St. Georges de Didonne till March 24...call 05.46.06.26.40
SAINTES : samedi 18 AVRIL à 20h30 à l’Abbaye aux Dames The Association Franco Anglaise is designed to help English speaking residents integrate into French culture. All activities are bi-lingual and the membership is roughly two-thirds English speaking to one-third French speaking. Meetings are held on a monthly basis, usually at the Maison des Associations, 61bis rue Paul Doumer, Royan. The association conducts a number of activities throughout the month including informal pub/quiz nights, wine tastings, language classes, dining clubs, book club, handicrafts of various sorts, walks etc. To learn more contact Monica Cherry, secretary
There is also a website www.AssociationFrancoAnglaise.eu
Association Franco Anglaise March 2010 ActivitiesPlease check the web-site Blogs or contact a Committee Member for further information about events
Drama Club Every Tuesday at 18.00 hrs Further meetings with the plans for the next presentation. Come along and join in the fun (M Des A) Coffee Morning Fridays 5th & 19th March from 10.30 onwards At the following venues for a happy hour or so. Have an informal chat over coffee/tea/beer with fellow members 5th March at L’Iguana, Pontaillac; 19th March at Hotel de Riberou, Saujon History Group Sunday 7th March at 15.00 hrs Catherine is coming to continue the story of Art through the Ages. At the Maison des Associations. Franglais Conversation Monday evenings 8th & 22nd March at 17.30 hrs Our bi- weekly sessions of Franglais. With John and Lucy or Kathy and Paul Join our Franglais regulars and practice your second language. At the Maison des Associations. Bilingual Book Club Tuesday 9th March at 14.30 hrs Come and talk about books over a cup of tea or coffee at the Riberou in Saujon. Music group Wednesday 10thMarch at 18.00 hrs A change of venue to save travelling. The theme for this month is ‘Spring’ At the Maison des Ass. Social Evening Friday 12th March from 19.30 hrs A social gathering at the Hotel de Riberou with maybe an early St Patrick’s Night flavour Gardening Club Saturday 13th March at 14.30 hrs To begin the new season, meet at Sheila and David’s for a general chat on what to do and which gardening visits could be organised. Catch up on the latest gardening tips on the Blog. Introduction to Computer Technology Tuesday 16th March at 14.30 hrs For an insight into the new technology of Computers come to hear Tim Cherry and Gary Coleby unravel the mysteries. Held in “Cyber Atlantis” basement room at the PALAIS Join with other like minded members for a chat in the Conference Follow-Up Wednesday 17th March at 18.00 hrs Translation of last month’s conference and any matters arising from any of our previous conferences. Wine Club Friday 19th March at 18.00 hrs Jean-Loup will be hosting another fascinating wine tasting session at the Maison des Ass. This month he takes you around the wines of the Bordeaux Region. Contact Jean-Loup if you wish to attend. (As usual there will be a charge for the wines consumed) Exchange Book Club Saturday 20th March at 10.30 hrs Exchange the book you have read for one you may find in Roger’s collection. (Held at Chez Roger at Beaunant, off the Saujon to Corme Ecluse road) Sunday Walk Sunday 21st March at 10.00 hrs Join Val and her band of walkers for a Sunday morning walk at the quarries around Crazannes, and if it is good weather, bring a picnic lunch .This is the walk postponed from last November ( Check the Blog). Ladies Lunch Wednesday 24th March at 12.30hrs Ladies join Trish for their regular lunchtime meeting and have a bilingual chat with AFA Quiz Night Friday 26th March at 19.30 hrs At our regular time and at our usual venue “Le Calumet” at Pontaillac Charity Afternoon Tea Wednesday 31st March at 16.00 hrs An Boules Can be arranged on any Thursday afternoon during the month. (Contact Gary or Roger) Remember: Put your clocks and watches forward 1 hour on Sunday March 28th at 02.00 hrs! For your new diaries the 2010
The ANGLOFILE is a comprehensive and easy to use directory of English speaking businesses WHATS ON covers forthcoming events and activitiesfor English speakers in the region ENGLISH LANGUAGE CINEMA GUIDE...what's onlocally at the movies INFORMATION PAGES...Relevant, dependable and practical help for life in France THE ANGLOINFO forum...buying and selling, jobs and accommodation, advice and answers to questions NEWS WEATHER... ...and much more.
and www.expatsradio.com is another source of ex-pat information. "The Connexion" newspaper is a monthly English newspaper reporting on life in To see the magazine 'electronically' go to http://www.livingpoitoucharentes.com/en/zmag
"Living Poitou Charentes" also publishes "The French Paper" a monthly newspaper about France, in English. It was first published in June 2009 and is an excellent read...to find further details contact Nicki Wade at 05.45.32.16.42 or 05.45.35.82.14.
www.charente-maritime.org is the départmental website for activities and lots of other information about the Charente-Maritime. Administration The main Préfecture is at
Sarah Gillespie on 0033.(0)5.46.48.43.29 or lloydgsarah@aol.co.uk operates "Hand-in-Glove" Relocation Services and works with you to make your move to There is a new amateur drama group being set up in the Charente and Charente-Maritime.
This new group, called Theatre Tricolore, is intended to be different in a number of ways things and be a group that anyone will find interesting to join, whether or not they want to be involved in actual productions:
The overall aim will be to encourage participation in the theatrical arts – the committee will be there to support and coordinate, not control. For more details please take a look at their website www.theatretricolore.com and if you feel you may be interested in their activities please contact Martin Woodrow and you will be sent further details.
In the yellow pages you will find these listed under “Ambulances”! In Brie-sous-Mortagne is: Ambulances Verdon on 05.46.94.12.03 and in Gémozac Ambulances Fauconnet on 05.46.94.60.60 or in Cozes 05.46.90.81.54 Anglo-French Information www.angloinfo.com ...a vast information network web-site, in English, which has very recently opened a site for Poitou-Charentes and offers very useful information on every aspect of life in our region and with forums for posing questions or just making friends! Click on Poitou-Charentes site. Paul McMahon works with a team of 4 architects, 2 technicians, a clerk of works and a secretary and has worked as an architect in Paul and his team have worked for a number of my clients and it is because of their positive comments regarding the quality of Paul's work that I recommend his company. The McMahon team can prepare individual jobs or act as supervisors on a complete project coordinating the various trades people. McMahon Architectes is located at 7 Rue Cuvilliers, Saintes, near the church and pedestrian shopping centre, across the river from the Roman Arch, 05.46.97.76.62
ASSOCIATION BADMINTON COZILLON This is a social badminton club where the emphasis is on enjoyment and players changing partners rather than the more competitive 'cliquish' badminton at the 2 other clubs below. The play takes place in the sports hall opposite the cemetery on the Boulevard De Bonnes Nouvelles just off the D730 roundabout at Cozes. Play is on Monday at 8.30 to 10.30p.m., Wednesday 8.00 to 10.00p.m. and Thursday at 8.30 to 10.30p.m....just turn up and play. BADMINTON Gémozac, Gymnasium, Monday 20.00 to 22.00 and Saturday 10.00 to 12.00, call Adelin on 06.78.52.25.53 or Karen on 06.83.97.94.59 BADMINTON CLUB ST. GEORGEAIS, at the Colette Besson Complex, rue du Docteur Maudet, St. Georges-de-Didonne, meeting on Monday, Wednesday and Thursday evenings, except for July and August when there are no meetings, and you can find out more information by e-mailing Jean-Luc and Pascal Maurice on bcsg17@wanadoo.fr
Bad workmanship in construction.
cf "Artisans" above
...and this again underlines the importance of dealing with properly registeded workmen where everything is documented including the quote and the insurance and NOTHING is 'under the table'. Any bank you choose should be able to communicate in English or your banking will be difficult. A foreigner in A current account (‘compte courente’) allows full banking facilities and a savings account (‘compte d’épargne) is more limited. If you are opening a joint account be careful how you register the account…if the account is opened in ‘M et Mme’ (‘Mr. and Mrs.') or ‘M ou Mme’ ('Mr. or Mrs.'). With the former the instructions/cheques have to be signed by both parties while the latter requires either one. Clearly the second one is the more efficient, but also if either dies then with the first one the account is ‘frozen’ pending probate but this is not the case with the latter and so can avoid a lot of problems. Statements are sent monthly. You will require a French bank account to open an account for electricity or water or a mobile phone, make French mortgage payments, direct debits and to pay occasional bills. For those with second homes in France it is necessary to arrange for this automatic debit from your French bank account or these services will not be connected...this is a result of the supplying companies often having difficulty billing people who are not resident in the country. Do not write a cheque unless you are sure there are funds in the account to cover the cheque...if you do write such a cheque it could result in you losing the right to banking service in France...and don't ever send a post dated cheque in anticipation of the money being in your account at the appropriate future date and the cheque being cashed on this date as it will be cashed in the normal fashion when received and not held to the future date, and so hold on to the cheque until the actual time to pay arrives. The Carte Bleue is a cash/debit card with a pin number and automatically debits your account. This is accepted almost everywhere. Nowadays these have access to VISA or MASTERCHARGE and cash withdrawals. If your French bank cards are lost or stolen call the CENTRE NATIONAL DES OPPOSITIONS on 0892.705.705 to stop the card and to declare a chequebook lost or stolen call 0892.683.208. You will also need to make a declaration at the police station about the loss or theft. A receipt will be provided and the bank will require this. Commonly used banking terms. caisse...cashier Writing a cheque: On the first (and possibly second lines) write the amount in words If you need help either with writing the 'French numbers' or just writing a cheque you can go to The Equipage banking service package from Banque Populaire This customized banking service package is designed to answer all the banking needs of an English person living in the south Charente-Maritime. The package deals with: - the opening of your bank account, including chequebook, debit card - insurance for your cheque book and cards in case of loss or theft - a variety of savings accounts - the transfer of funds - overdraft facilities - automatic direct debit for utility payments - internet banking access - bridging loans registered against the French property on an interest- The Equipage package is customized to your individual requirements and charged on a quarterly basis. In addition to the Equipage package the Banque Populaire can offer mortgage facilities and insurance for property, health or auto.
There are 26 Banque Populaire branches in the Charente Maritime, at Pons, Saintes, Jonzac, Royan, Rochefort (2), St. Jean D’Angély, Saujon, Surgeres, Matha, Ars-en Ré, Aytré, Chatelaillon, Fouras, La Rochelle (5), La Tremblade, Le Bois Plage, Marennes, Montguyon, Nieul-sur-Mer, Périgny, and St-Pierre-D’Oléron.
contact@centrealatlantiquebanquepopulaire.fr or 0033.(0)6.08.55.97.66
Barber I recommend CREATIF COIFFURE at 6 rue de la Libération in Gémozac, next to my office at the traffic lights at the post office, 05.46.94.52.52
Bargains on the internet See:
www.vide-grenier.org - dates for carboot sales and fleamarkets throughout France...in French
www.pointsdechine.com - dates for antique fairs throughout France...in French
www.la-brocante.info - tips on what to buy and how to bag a bargain at a brocante sale...in French
www.leboncoin.fr ... this is a little like e-bay but without the auction aspect
www.freecycle.org/group/FR/ - List of freecycle groups throughout France (homepage in English, group pages in French)
www.ebay.fr - auction sites for new and second-hand goods
www.angloxchange.com - online second-hand shop in English. Members advertise goods for sale throughout France
www.getsafeonline.org - tips on how to protect yourself from online fraud Bees Bees used to be dealt with by the Pompiers or fire department but now have to be removed by an "apiculture" and you will find your closest one in the yellow pages...and a tip is that once the bees have been removed close up the wall immediately or else they will 'recolonize' again! Bilingual help and advice Emmanuel Riché is completely bilingual and can offer help to you with any issues requiring a knowledge of French and English including translation and interpretation and he is also knowledgeable about real estate...his telephone number is 06.19.50.59.31 and his website www.easylife17.com Books English and French books can be exchanged at Le Doublon, Lorignac at anytime during opening hours. Monday 17:00-23:00 and Wednesday to Sunday from 11:00-23:00. For more information telephone Alan Cramley: 05 46 04 58 26 or e-mail: alancramley@aol.com "La Perfide Albion", 11 rue Arc de Triomphe, near the Roman Arch alongside the bridge over the river Charente at Saintes, telephone number 05.46.94.24.98 also has a book exchange. Bottled gas You will need this for your gas cooker. The necessary attachments can be purchased from Balthazar Poupelain and the gas can be bought from a lot of petrol stations or supermarkets. When you buy your first bottle you will have to register but after that it is simply a matter of exchanging the bottle. British Embassy Consular Services The website of the Embassy is comprehensive... www.amb-grandebretagne.fr The British Embassy The British Consulate General in Passport enquiries to the passport helpline (08.92.23.01.75) require a credit card and are charged at 1.60€ per minute including any 'on hold'/"your call is important to us and you will be dealt with by the next available operator" time...(in the Paris passport office these calls are 'outsourced' to a private company!)...this only applies to passport enquiries and you would not face these costs if you dealt with your passport enquiries while visiting the UK The five British Consulates General in Consulate-General in 353 boulevard du president Wilson, BROADBAND/ADSL/HIGH SPEED INTERNET To ascertain whether your line works on ADSL high-speed internet ("Broadband") go to
For my internet/broadband (really ADSL) I use Wanadoo through France Telecom and it is excellent with practically no problems however when I have had problems I have had to sort these out with French speaking technicians and so an advertisement I saw recently in "The Connexion" newspaper for "ANGLOPACK" may be of interest...it offered high-speed ADSL for 29.90€uros (about the price I pay to Wanadoo) with unlimited 24 hour use, free phone calls to the UK, USA, Ireland, Australia, the USA and Canada, free number in the UK so you can receive calls, English bills and technical help in English...0805.02.4000 www.teleconnectfrance.com Brocantes
...and how to bag a bargain!
- arrive early - be prepared - bring a tape measure, pen and paper as well as all important measurements for your house, not to mention a pair of comfortable shoes and a collection of bags to cart your plunder home - bring plenty of cash in small denominations - you won't be able to nip to the cashpoint and you won't get a discount if you are flashing 50€ notes around! - do a preliminary circuit to take note of what is for sale at each stall and to guage prices - look for items with potential - you can always restore an old chair with a fresh lick of paint - be creative - most furniture can be put to alternate uses with a little imagination. - don't dither - if you see something you are interested in, pounce and don't let go until you have decided - haggle - it's perfectly acceptable to bargain. (These notes are taken from an article written by Georgina Caldwell in the June 2008 edition of French Property News, p.60)
For useful web-addresses see "Bargains on the internet" (above)
Builders cf "Artisans" above In Mortagne-sur-Gironde Patrick Castincaud is a mason, tiler and general builder at Le bois Bricoux, 9 rte Epargnes, 05.46.90.62.99. M. Castincaud has an excellent reputation and does fine work. Benoît Joly is a general builder at "La Viauderie", 2 rue de l'Anglade, 17260 Cravans, 05.46.90.02.06 or 06.88.87.79.06.
also see "Mason" below
To claim against capital gains tax when you sell a property it is necessary to have proper documentation/receipts of the work completed by registered artisans specifying when the work was completed on the property with its address. I recently encountered a case where the receipts had been mailed to another address without stating where the work was actually done and these were disallowed for the purpose of reducing the capital gains tax on the property.
The 10 year guarantee on building work In When you accept a quote ask the artisan to provide a copy of: 1. An attestation to prove his 10 year guarantee/insurance is up to date; 2. The actual policy which lists the work he us insured for…and make sure you check this against the work described in the quotation to ensure that the artisan’s insurance covers the work for which he is quoting! Make it absolutely clear that these are important to you and that the job will not begin until you have them…and stick by this!... …and if you don’t understand the documents have them translated, and if you still don’t understand them because of ‘jargon’/technical terms, seek professional help. When the work is completed you should keep this quote, the invoice for the work, the attestation, and the insurance policy together so that if you need them you can find them easily, as they are your safeguard if anything goes wrong in the next 10 years; if you sell your property you should pass these on to the new owner. So how do you claim? The first step is to contact the artisan by telephone or letter to explain the problem and ask him to come and view it…the gentle approach! Be polite! If this does not work then send a letter by recorded delivery to the artisan politely describing the problem and asking that he contact you to discuss it by a certain date…say 7 days after receipt of the letter. If this does not work then a ‘stronger’ letter should be sent demanding a response by a certain date, and advising him that your next step will be to contact his insurance company if he does not respond properly. If this does not work then send a recorded letter to the insurance company of the artisan with copies of the quote, policy, attestation and invoice, details of the complaint with any photographs, and a copy of your other correspondence to date. You should also contact the company which provided the insurance for your house as in this policy will be a "protection juridique" and so they will become involved to help with this...this is where it helps to have an insurer who speaks English such as Jean-Christophe Vallein of AXA in Montendre, see "Insurance" below. The insurance company will appoint a local building expert to act on its behalf and he will arrange a meeting with the artisan ‘on-site’ to discuss the problem…if necessary the representative of the insurance company will arrange for the relevant experts to attend. At this meeting it is decided if there is a problem, who is responsible and who does the rectification work…either the original artisan or another, and the expert appointed by the insurance company makes sure the work is done properly and to a defined timescale. If the job you are doing requires a number of artisans you might consider having a bilingual project manager. (These notes are taken from an article published in “French Property News”, February 2008, p.82 by John Rainforth of Construction Cavaillonnaise, 04.90.06.10.54, johnrainforth.buildfrance@wanadoo.fr ) The Quotation The quotation or estimation (“devis”) you receive for any work is of fundamental importance and so should be handled with great care to see it is correct and comprehensive…(the less accurate the request, the less accurate the devis!) You should obtain 2 or 3 quotations on the same facts and note that quotes are often valid only until a specified date. What should the devis cover? 1. The fixed start-up date…certainty of this is all the more important if you are trying to coordinate different types of specialists…e.g. an electrician can’t start his work until the walls are up, a plumber cannot do his work until the bathroom has been built, a tiler cannot do his work until the walls are completed etc.; 2. The anticipated date for completion; 3. The precise itemised details of the work to be done…it is helpful if it includes at the beginning a summary of the work to be done; 4. It should also be clear what is and what is not included…for example kitchen fixtures, white goods, bathroom fittings etc.; 5. The devis should also cover, if required, connections of water and electricity including renewing where necessary, and the number of sockets, switches, lights and plugs. The golden rule is to try and think of and include everything that needs to be done, even if it requires more than one or two meetings with the builder ‘on-site’ to complete this. And remember, a devis is an estimate…‘life happens’, and unforeseen things happen subsequent to the devis and so allow 25% for ‘extras’ which should be the subject of a separate devis. The devis should also include written confirmation that the works will be covered by the builder’s 10 year building insurance. Finally, remember, a signed devis is a legally binding contract and may be held against you one day, if you do not get it right in the first place. (These notes were taken from an article in “French Property News”, February 2008, p. 84, written by Ian Blackshaw, international lawyer, cblackshawg@aol.com)
Bus services
Cakes, pies and pasties "Markey's Cakes, Pies and Pasties" make traditional pork pies, pasties, meat and vegetarian pies and traditional English cakes. You can contact them on 05.46.01.54.65 or markey.cakes@wanadoo.fr, and you can find them on Friday mornings at Melle market, Saturday mornings at In December you can expect visits from the postperson, the garbagemen and the firemen offering you their annual calendars. As calendars go, they are not very good, usually with poor and uninteresting graphics and small printing, however it is not the quality of the calendar that is important but the fact that it is a way of expressing your appreciation for their work and so I recommend you buy all 3!...HoHoHo!!!
Cancer screening At the age of 50 women should receive a letter from their CPAMS inviting them to go for a mamogram...if you do not receive such a letter check with your doctor. Women aged 50 to 74 should have a check every 2 years, and the cost is fully reimbursed. Both men and women of the same age are invited to have colorectal cancer tests every 2 years. For those with a family history, a colonoscopy should be performed every 5 years, again without charge. Cervical smear tests are recommended for women 18 or over who have had sex. This can be conducted by a GP and is reimbursed 70%. The Association Française d'Urologie recommends men have blood tests for prostate cancer every year from 50 to 75 or from age 45 if two close relatives have had the disease, or if you are black, and reimbursement is 70% (Connexion, p.30, April 2008). "Cancer Support France" has a website (in English!) at www.cancersupportfrance.info and the telephone number is 05.45.89.30.05.
As a 'rule of thumb' central heating costs about 1,000€uros per radiator plus 5,000€uros for the 'boiler'.
Confort 17, 39 Rue General LeClerc, Gémozac can be contacted on 05.46.94.24.68. The shop is located just down from the post office at the centre of the village and I have been very impressed with the quality and cost of their work. Claude Simon of SIMON ETS, 13 rte Royan, COZES, 05.46.90.81.12 has also received an excellent recommendation. Charente-Maritime The web site for the département can be found at www.charente-maritime.org with lots of info about the département. Cheap long distance telephone calls I use PRIMUS at www.primustel.fr and am always astonished at the monthly bill, always very low another option to consider is Phonexpat, www.phonexpat.com
Cheddar cheese Erica Hicks makes cheddar cheese at Chapelle Cheddar, La Chapelle, Trevinal, 35190 Treverien, (Brittany) 02.99.45.62.11 and will supply by mail. Erica is originally from In addition to cheddar, Erica supplies smoked cheese and 'Tomme' or French hard cheese. For more information you can contact Erica at the above telephone number. Chemists/Pharmacy Chemists are able to offer a wider service than chemists in the UK. They can prescribe for basic ailments too. It is not uncommon to find two chemists in a village and when closed you will find a sign indicating the nearest 'open' chemist..."pharmacie de garde" Chimney Sweep By law (and probably under your house insurance policy!) your chimney should be swept once or twice a year depending on the type of fuel you are burning/using. It should be carried out by a qualified professional who will give you a certificate ("certificat de ramonage") to confirm when it was done so that it is available if needed by your insurance. Chimneys must be swept once a year if ventilating gas appliances and twice a year for other fuel types such as wood, coal or heating oil...it is recommended that chimneys are swept once before the fires are lit and then again during winter. In practice this rule is rarely enforced. There are no inspections and the issue will only arise if your chimney emits too much smoke or there is a fire...if your chimney emits too much smoke you could be liable for a 450€ fine. All house insurance policies require that the chimney be swept, usually annually, however check your own policy. For chimney sweeping I recommend Balthazar Poupelain at 05.46.49.95.49...they are excellent and very clean...other firms are listed under "Ramonage" in the Yellow Pages. It is possible to buy a product to burn in the fireplace to clean the chimney and you send the signed and dated form from the packet to the supplying company and this validates your insurance...check with SuperU or a Bricolage/do it yourself company, however verify that this method is acceptable to your insurer.
Chiropractor cf "Artisans" above It has been my experience that French artisans are very dependable but it is important to recognize the differences when comparing them with their English counterparts. French artisans perform the work in the order it is received and while they usually provide a quotation or “devi” quickly, if you accept the quotation then you will be scheduled into their timetable, taking the next available slot, which could be several months later than the devi. Each community will have one or two carpenters/builders/electricians etc. and their reputation in the village depends completely on the quality of their work. They do not ‘hire and fire’ to reflect the workflow but simply do each job in turn. …if an artisan is able to do your work ‘the next week’ then you might be a little concerned that if he doesn’t have any ‘work on’ ‘how good is he?’ This system works well for specific ‘single’ jobs but problems can arise when you have a major piece of work involving several specialists such as builders, tilers, glaziers, carpenters, electricians, and plumbers. Each can give you an estimate, and in discussion with you agree to dates to do the job, however to a greater or lesser extent each is dependent on one (or more) of the others finishing his work on time. It is like a row of dominoes…if each completes his work on time then the job should proceed smoothly, but the first one who is late means that every subsequent workman cannot do his work at the planned time…and as he will have allocated ‘his’ time following that set aside for ‘your’ work to ‘another’ job it becomes a nightmare for the subsequent artisans to complete their part of the project at anything close to the scheduled time. Below are a few suggestions: 1. Recommendation, recommendation, recommendation…never choose an artisan by an ‘advertisement’ or ‘the lowest price’…anyone can place an ad. or offer a price to ‘get a job’…always work on recommendations, and the recommendations should be fairly recent, in fact it is a good idea to ask for the last 3 jobs the artisan has completed so that you know that there have been no significant changes in the company/employees which may have changed the quality of work...this will also prevent 'reference cherry picking' by the artisan of his best jobs; 2. Make sure your artisan completely understands what you want him to do, and write out your instructions, discuss these with him, make any amendments on the basis of these discussions and then give a copy to the artisan and have him sign your copy so that there is no misunderstanding and he realises the importance of following these instructions and as the job progresses you can refer to this. If it is a simple job then you may be able to use the free translation programmes which you will find in my PostScript section but if it is a more difficult/complicated job then you should use a translation company; 3. Only deal with artisans who will give you a numbered, dated, quotation on proper business letter-headed paper with a proper business address, and a SIRET number showing that they are properly registered; Deal with deadlines at this time…This cannot be overstressed! Obtain agreement on completion dates and explain to the artisan that these dates must be realistic as they are important to you, and once a deadline is agreed you expect it to be met. I often hear stories of workmen taking on far too much work and therefore not meeting deadlines, (they are 'OK' because they have the work, whereas you are the 'loser') but by the time the artisan fails to meet the deadline it is probably too difficult/too late to hire another artisan, or find one who can do the job without a protracted delay. When you obtain the recommendations, check how the artisan has met his deadlines on other work. Watch the progress of the job carefully and deal with any problems as soon as they develop...even if it means firing the artisan. If you have chosen carefully however there should not be a problem! 4. Never pay cash…always pay by cheque from a French bank (in €uros!) made out to the company…not to the individual; 5. Never pay ‘under the table’…any workman who is prepared to work in this fashion should not be trusted, and if you have no documentation how will you obtain any redress or guarantee?…in addition you will be breaking the law too. If you come to sell your property and capital gains tax becomes a consideration then any costs of improvements to the property will be deductible only if you have proper invoices/factures for the work done; 6. A financially stable artisan, paid by you on time and as agreed, would not normally make requests for prepayment however I suppose that on a rare occasion an artisan will need pre-payment to buy fittings or some other unusual expense, and will ask for an advance. Of course review each request in terms of the person asking, the reason, and the amount, but if you have any doubts, it is not unreasonable to tell the artisan that you will pay the invoices from the supplying company directly…and if he has any difficulty with this then ‘tuf’…it’s your project, your money! Only an artisan ‘working a fiddle’ would have any difficulty with this; 7. In a larger job involving a number of artisans have someone who is bilingual to supervise the whole project…probably the best person for this would be the architect or builder (because of their importance in the whole project), and if language is a problem retain an interpreter who is readily available as questions arise; 8. Once you have chosen the architect/builder, follow his recommendations about other tradesmen…because they have will have worked together before it is far more likely that they will respect deadlines and work together well; 9. Once you have obtained all of your quotations arrange for a meeting of all the chosen parties at the same place and time so that each knows the others, and at this meeting you can review the completion dates of each artisan with the group and secure their confirmations of the proposed times and that they are realistic…at this time sign the quotations approving the work; 10. Even in the best laid plans, problems cannot always be avoided and so schedule into your completion plans ‘slippage’…for example, if the builder plans to finish on the 21st of the month then schedule the next specialist, say the electrician, to commence on the first of the next month, and so on. If you are too ‘precise/exact’ on completion/commencement dates then you are creating a potential problem which could come back to haunt your project…be realistic!…a chain is only as strong as its weakest link; 11. Be very involved with your project manager with at least twice daily reports and ensure that he understands that no decision of any significance can be made without discussing it with you; 12. Have your money for the payment in a French bank account (and therefore readily available in the normal course of business) and pay your artisans as and when agreed…treat them as you expect them to treat you.
If you take the precautions above then your project will probably be OK but if things seem to be going wrong, retain a bilingual lawyer/Notaire to help you sort things out, sooner rather than later. If you follow the above suggestions your project should run a lot more smoothly!
Church services in the region Rev. Michael Hepper (a Yorkshireman!) serves the Church of England Chaplaincy of Christ the Good Shepherd for the Poitou-Charentes from Civray. There are 8 places of service in the Poitou-Charentes region, the 3 closest to here being
Classic Car Races Each year in September the Circuit Des Remparts takes place around the town centre at Angoulême in the Charente...it is 3 days of classic car racing on the second or third weekend.
Civil PACS ('Cohabitation agreements') By entering into a PACS agreement the parties are committed to living together and supporting each other financially; financial responsibilities are divided up in accordance with each partner’s resources and the partners are jointly liable for debts relating to maintenance and expenditure connected to the household…except those debts which would be considered excessive…this applies to income and wealth taxes where the Revenue can recover such taxes from one party only. This is a halfway house between simply living with a partner and being married and is available to people of the opposite or the same sex. It offers fewer rights and obligations than a marriage...for example it can be ended by an application by either party to the 'Tribunal d'Instance' where the PACS was registered. It is essential that partners are not closely related or do not already have an existing PACS agreement with someone else. The tax burden is shared to decrease liability where possible and PACS partners are taxed on their joint income and assets from the day they sign the agreement until the end of the tax year (December 31). Assets purchased before or after the PACS agreement belong to the purchaser however a different regime can be stipulated at the beginning. When one partner dies there is no automatic right of inheritance and so wills should be prepared. The deceased’s health insurance, maternity or death cover is transferred automatically to the surviving partner but the survivor is not entitled to the deceased’s pension. The joint residency however is subject to measures for protecting the remaining partner even if he/she does not own the property. On the death of either partner (supposing that he/she does not own the residence and, unless the deceased says otherwise in his/her will) the surviving partner is entitled to continue to live in the property for one year free of charge. If the joint residence is leased then one year’s rent will be offset against the deceased’s lease. Since last year PACS partners like married ones do not have to pay inheritance tax. The PACS agreement is registered at the local civil court where they will provide the registrar with a copy of the PACS agreement along with an ID card or passport, birth certificate, affidavit confirming that the partners are not related, and a joint statement indicating where their residence will be. The agreement can be revoked by the death of either, by marriage or by a declaration by registered letter by either party. If case of any disagreement or if there is a dispute about ownership this can be settled by the nearest 'Tribunal de Grande Instance' (a branch of the French civil court). For further advice on this see the bilingual Notaire Jean-Paul BIAIS (of Saintes) or Blake Lapthorn (of the Computers I have received very good reports on the work of Steve Higgins The MOT in France is the Contrôle Technique (CT) and has to be done after a car is 4 years old, and every 2 years thereafter. The test covers 125 points on your car and takes about 30 minutes. If your car fails the CT then you can drive it but you have to have the problem fixed and the car retested within 2 months of the failed test. If you are stopped by the police and do not have a CT (with a current decal displayed on your car window), or proof that your car has failed the test within the preceding 2 months, you will receive a fixed penalty ticket of 80€uros. If you do not have a CT but have made an appointment for the test then it is a good idea to ask the test centre for a note of the appointment with their stamp on the note so that if you are stopped by the police you have proof that you are dealing with the issue...this is not a guarantee that you will not be ticketed but it will probably help! Test centres are common and the one at Gémozac is near SuperU. The initial cost is 53€uros and the retest 16€uros although my car was retested today and there was no charge.
Counselling
Country Line Dancing Mr. Raby...05.46.94.22.76 To find mail order curry in France go to www.PacketCurry.com Cybercafe "Cyber Angel" can be found at 10 rue Gambetta, across from the church in the village square, next door to the mobile telephone shop...05.46.74.72.74, open 10 to 12.30, 2.00 to 8.00. "Cyberzone 17" is in the pedestrian district across the river from the Arch in Saintes. The address is 2bis rue Dance school The "Centre de Danse" run by Philippe Moreau teaches all types of dance at the Salle Polyvalente in Pons, and Philippe can be reached on 05.45.38.88.45
There is also a dance class in Gémozac ('Classique et Modern Jazz) "Les Ateliers de la Danse", recognized by the Ministry of Culture on 05.46.39.12.85 Death These notes are taken from the "Connexion" newspaper, (a monthly English newspaper reporting on life in 1. In the event of a normal death a doctor is required to confirm the death...a 'constat de décès...and to provide a death certificate; 2. Within 24 hours an official 'déclaration de décès' must be made...this can be completed by a funeral director, 'pompes funèbres', or by yourself at the Mairie, or by a hospital...if you do it you should take along your ID and the ID of the deceased and the death certificate; 3. The Mairie will then provide a burial permit, 'un permis d'inhumer', and the burial can only take place after 24 hours following the death and before the 7th day following the death...'Sundays and bank holidays not included'. If it is necessary to remove the body from the commune then permission must be provided by the Mairie; 4. The Mairie can help with the provision of a burial plot or permission for a cremation.
Sadly, few of us are aware of the many practical things that need to be done after someone has died. Having to deal with this difficult time in a country that is not our place of origin is hard enough. We may be faced with a minefield of additional questions and concerns and no matter how well we have learned the language, at one of the most stressful times of our lives it is imperative to know we are doing the right thing.
Understanding that French procedures differ significantly to those in the United Kingdom and knowing what choices are available here in France. France, being a catholic country still remains conservative about funerals; most consist of a catholic service followed by burial in the local churchyard. However, with more crematoriums in France the number of cremations is rising and becoming more personal, with relatives wanting a funeral service that includes music, and personal speeches. There are common differences about how things are arranged here in France and the United Kingdom. - You have a legal responsibility to declare a death within 24 hours - “The 6 day rule” in France, requires that on death the family have up to 6 days maximum to not only declare and register the death but to decide whether to have a burial or cremation. Note: (The Prefecture of the department can make an exemption in certain cases) - The death certificate (acte de décés) in France does not indicate the cause or circumstance of death - You can lay at rest in your own home prior to the cremation or burial - You can be buried on your own land - You can scatter ashes on your own land, in a river, the sea or out of an aeroplane - The family of the deceased person is legally obliged to follow the deceased wishes - If you die in hospital, unless you have signed an opt-out in your will, or registered with the Registre National des Refus it will be assumed that your organs will become available for donation. These are just a few of the differences between a death in France and the United Kingdom and it is knowing what to do and who to ask. French funeral directors are very professional, providing not only information about available choice, but offering a high level of support and advice. Finally, death need not be so traumatic to the people left behind as help is available. The local funeral director, the Consulate in France and French doctors are all very supportive. There are support organisations to help with bereavement in both French and English. If you are religious there is often good pastoral care through your church of worship.
Joint bank accounts: If a couple has a joint account it may present difficulties on the death of one. If the account is opened with signing responsibility in both names, "M. et Mme. Smith", then on the death of one a signatory is not in a position to sign and the account will be frozen pending probate...because the cheques will need both signatures. Therefore it may be advisable to open a joint account with 'or' and not 'and'... Dentist Dr. Garoufalakis of Cabinet Dentaire, 10 rue Pierre Loti in Royan (towards the centre of Royan down from the cathedral) is excellent and he speaks English...05.46.08.00.08…I had a problem with a part of a tooth towards the back and I would have expected him to remove it however he went to the trouble to remove only the problem part of the tooth, allowing me to retain my ‘movie-star smile’, the treatment didn’t hurt at all, and the cost was quite modest, so modest in fact that I cannot remember if he charged me. Digital Radios These will work in Doctor
English speaking doctors Dr. Patrick Noel's office is in Lorignac, at 8 rue Eglise, directly across from the church at Lorignac in the big white house, and his telephone number is 05.46.49.96.88. Dr. Roy on the edge of Gémozac on the road from Gémozac to Pons, about 1/4 mile from the post office across from the Lidl supermarket, in the white house, before you reach the roundabout, at 19 rue Géneral de Gaulle on 05.46.94.63.14 is a general practitioner. Dr. Sophie N-Guyen at "Les Gronneries", 32 rte. Gronneries, Rétaud, her number is 05.46.92.60.50 I have received good reports about the Cabinet Médicale Esculape, a medical centre in the centre of the village with a number of English speaking doctors, at 10 route Meursac,
Healthcare in A major difference between the It is a legal requirement to have medical insurance and until recently every resident of CPAM or Caisse Primaire d’Assurance Maladie is the branch of the French social security system dealing with everything medical and health related. In the Charente-Maritime the telephone number is 0.820.904.144. If you are employed in France you will contribute approximately 20% of your gross salary in social security payments and in return you can expect to recoup typically 70% of the cost of any medical treatment from CPAM….the exact figure varies according with the type of treatment, its cost and your income. The Ministry of Health sets the price or tariff for all treatments and CPAM payments vary from 60 to 100% of these costs. 97% of doctors abide by these costs and 3% fix their own fees. Once you are resident in Treating doctor…médecin traitant
A consultation with a doctor is usually 22€ and covered 70% less-one-€ by CPAM (Caisse Primaire Assurance Maladie) once affiliated. Complementary insurance can be taken out to cover any costs not covered and the premiums will vary depending on the coverage and can include coverage for pre-existing conditions (ref. Peter Owen, Expathealthdirect 0033.(0)4.94.85.15.50) Since January 01, 2006 it is necessary that you register formally with the GP of your choice, and you and your doctor should complete Form S3704 which must be sent to the CPAM or your reimbursements will be reduced. Carte Vitale This is the national health insurance card which will be provided to you by CPAM once you have a social security number and should be produced at every medically related transaction…a doctor’s visit, for prescriptions etc…in order to be reimbursed. If you do not have your Carte Vitale at the time of service you will be given a receipt to forward to CPAM for reimbursement. Mutuelle This is top-up private insurance which covers the part of your medical costs not covered by CPAM…this is more difficult to obtain after 65 years of age. Couverture Maladie Universelle is coverage provided by CPAM for those unable to pay the usual costs because of a low income or financial difficulty. For self-employed people universal healthcare coverage is provided through URSSAF (Union de Recouvrement des Cotisations de la Sécurité Sociale et d’Allocations Familiales). Family benefits are dealt with by CAF (Caisse d’Allocations Familiales). CAF deals with family allowance and other benefits including rent and single parent allowance. Students, pregnant women, the disabled and single parents should contact CAF to arrange to receive their benefits.
As a result of a new law enacted in 2007, Britons who move to France after November 2007 and who will not be working and not of UK state retirement age will be denied entry to the national healthcare system after 2 years, assuming that is that they have paid National Insurance contributions for at least 2 years before moving from the U.K. People already here (at November 2007) will be allowed continued access to the state medical system. Once a person has lived in
For the 3 years following the end of the 2 year's coverage an individual who is not employed or of retirement age will be responsible for insuring himself privately.
Once this 5 year period is met go to the main prefecture in your area (not a small local, ‘sous-préfecture) and request a “titre de resident permanent”…a kind of permanent carte de séjour. Take a selection of documents with you that prove the period of your residence in The British Embassy in “The Connexion” newspaper analyzed the new law in its editions of October 2007, p.1 and 12/13, and December 2007, p. 8&9 and the notes and quotations below are taken from these articles: The details of the new law are still being finalized, for example for those people with serious existing health conditions, and the official position can be found on the government website: www.securite-sociale.fr/comprendre/europe/europe/cmu_inactifs.htm The website states that “inactive” (non-working) foreign nationals coming to live in If National Insurance contributions have been paid in the UK for the 2 years immediately before coming to France then the person will be eligible for coverage in France under the E106 form for 2 years but after this ends and before the person reaches UK retirement age it will be necessary to take out private insurance….or get a job and make contributions.
People who were in the CMU regime as of November 23, 2007 can stay in it and those who had E106 forms on or before the same date are eligible to join the CMU.
Key questions and answers:
www.connexionfrance.com the website for “The Connexion” (newspaper of French news written in English) is an excellent source for information in this area….”The Connexion” has been in the vanguard of campaigners for changes to these new laws.
…after November 2007, any non-French EU national who is living in France who is not part of the state healthcare system as a worker and is not in receipt of an E106 or E121, unless he has lived in I live in No it does not. I plan to move to If you are yet to arrive in France or have not applied for your Carte Vitale you will be refused state cover if you have not reached the age for UK retirement, that is beyond the first 2 years assuming you have paid NI contributions for at least 2 years in the UK before you left. I get healthcare on an E121 because I am of state retirement age…is that affected? No, it is a longstanding EU requirement that people in your position should benefit from state healthcare. What if I am legally retired but my spouse is not? Your spouse should be eligible for a Carte Vitale as a dependant. I believe if I am working in Perigord Development Agency replies: Although there are a number of different ways in which this is calculated, as a general rule you need to have been a resident for at least 3 months and have worked a minimum 60 hours in the previous month to entitle you to basic medical care (CMU) or 120 hours over a 3 month period based on an hourly wage equivalent to the SMIC (minimum hourly wage). Once granted, the CMU is valid for 12 months even if there are changes to your situation (earning more, no longer working, working as an employee etc.) What if I am self-employed or work part-time? The self-employed pay into their own state health bodies depending on their area of work and are not affected by the changes, even if they do not make much money. Some people have considered setting up a small business, but not actually working, for the sake of healthcare entitlement. In practice, you could face serious penalties if this fraud was found out. As for part-time work, business experts at Périgord Developpement said as a general rule, to be entitled to healthcare you should have been resident for at least 3 months and have worked a minimum of 60 hours in the previous month, or 120 hours over 3 months, based on an hourly wage equivalent to the SMIC (mimimum wage). Entitlement is then reviewed annually. I pay social charges on pension and investments, does that entitle me to healthcare? These charges include the Contribution Sociale Généralisée (CSG), which helps fund various aspects of the social security system, the Contribution pour la Réduction de la Dette Sociale (CRDS) which funds the system’s deficit, and the Prélèvement Social (PS) which helps provide cover for age-related risks. The first 2 are levied as a percentage of all income, and the PS just on investment income. These were brought in as ways of helping fund the struggling social security system, as an alternative for example, raising income tax. However none of them contains an element of paying for healthcare benefits or confers any health entitlements. For more details on this go to the Connexion website…www.connexionfrance.com If I lose my French healthcare cover now, or am ineligible for it at the moment, will I be able to claim it when I reach retirement age? Yes. You will be admitted/readmitted into the French health system, as part of reciprocal E121 agreements between EU countries.” The cost of private cover French based private insurance company April Mobilité, which specializes in cover for expats, said they offer a package which would replace the basic cover provided by the French state at 100€/month for those aged 31–40, 131€/month for those aged 41-50, and 161€/month for ages 51-60. They said they would not cover anyone with an existing serious illness which is already being treated, such as cancer or diabetes. AXA offer top-up insurance but only for those working but nothing for those outside the French system. Bupa could offer a range of international covers but does not insure anyone for serious pre-existing conditions.”
Do 'shop around' though as different insurers offer different policies. UPDATES: For updates, call… …Caisse Nationale d’Assurance Maladie’s English-language helpline 08.20.90.42.12 …International social security English helpline CLEISS on 01.45.26.33.41 …British Department for Work and Pensions overseas helpline on 0044.191.218.1999 …Connexion website – www.connexionfrance.com The applicable forms: The transfer of medical benefits from one member state to another is carried out under conventions signed by all member states pursuant to the Treaty of E106...is for those taking early retirement and job seekers and who have worked and paid National Insurance Contributions during the 2 years immediately prior to doing so. It provides cover in the same way as the E121 but only for up to 2 years, and it may cover other members of the family. E109...is for those where one member of the family stays in the E121...is for people who have reached the official The EHIC (formerly the E111) is for visitors to a member state, The above only cover about 70% of the cost of medical treatment and to ensure 100% coverage requires topping up with a private insurance policy. "Exclusive Healthcare" provided some of the information above in an article in French Property News, p.54, June 2006 and will send a copy of the new regulations by e-mail on request, and can advise on the best way to use the new system. Their help and information lines in exclusivehealthcare@wanadoo.fr or www.exclusivehealthcare.com Medical Insurance...For information on the French state medical insurance, the English speaking contact line for information is 08.20.90.42.12 and the web site is www.amelie.fr Larry Fulton of Exclusive Healthcare (www.exclusivehealthcare.com) advises that private healthcare coverage could cost between 1,500 to 4,500€uros depending on coverage.
Leaving France?...Don't forget the CEAM card!
If you are a resident in France and part of the French healthcare system, you need to have the French equivalent of the British EHIC (European Health Insurance Card) when travelling outside of France. The CEAM - Carte Européene d'Assurance Maladie - works in much the same way as the EHIC and allows the bearer the same conditions and acccess to healthcare of residents in that country. The card is issued free after a request at the Caisses Primaires d'Assurance Maladie (CPAM) ...bring your carte vitale. Allow 15 days from application to issue. The cards are individual and families travelling with children should have one for each child. The card is valid for a year. The carte vitale is not valid outside of France. (Connexion, July 2008, p.32).
Our "B&Q" is Mr. Bricolage at Saintes, ZAC de Recouvrance, 17000 Saintes, after the last roundabout on the ring road, follow the road to the 'Centre Ville' and after about 50 yards at the next roundabout turn right and it is about 100 yards on the right...05.46.93.17.14 I also understand that an even better one has opened recently in Royan.
To claim against capital gains tax when you sell a property it is necessary to have proper documentation/receipts of the work completed by registered artisans specifying when the work was completed on the property with its address. I recently encountered a case where the receipts had been mailed to another address without stating where the work was actully done and these were disallowed for the purpose of reducing the capital gains tax on the property.
Driving in You will require a valid EU licence or a non-EU licence accompanied by an International Driving Licence…a foreigner with a non-EU licence resident in the country for more than 12 months must exchange his licence for a French one, by exchange if permissible or by taking a test. The minimum age to drive in A non-French EU licence can be used indefinitely in You must have at least third party coverage and a Green Card or International Motor Insurance Certificate and your insurer will take care of providing this. The green voucher accompanying this insurance should be displayed on the bottom right-hand corner of your windscreen. As the driver you should carry in your car a valid driving licence, vehicle registration documents (“carte grise” for a French car and log book if you do not reside in French police have the right to pull your vehicle over and ask for these documents and you must be able to produce them immediately. Should you have any of these documents lost or stolen you should report it to the police.
In addition you should also carry an approved warning triangle, and an approved bright yellow vest actually in your car (so you can put it on before you leave the car) and a full set of replacement light bulbs. Drive on the right(!) and give priority to vehicles coming from your right where you do not have signposted right of way. Unless otherwise posted the speed limits are 130kmh on a motorway in dry weather, 110kmh in wet weather, 110kmh on expressways or dual carriageways, 90kmh on regional roads, and 50kmh in built-up areas. Speeding fines can be paid in cash on the spot. The drink-driving limit is 0.5 grams per litre of blood…lower than the Regulations regarding the use of hands free phones, seatbelts, child seats and restraints are similar to the You should carry a red warning triangle and a reflective jacket. If you are involved in an accident telephone 17 to alert the police…an ambulance will come if needed. If you have an accident contact your insurer shortly afterwards and complete the European accident form (“Constat à L’Amiable”) setting out your view of what happened…take witness details. If your car is a right hand drive car than you will need light deflectors for the headlamps. “Bison Futé” (in French and available at www.bison-fute.equipement.gouv.fr) is the French national centre for information on road and traffic conditions. “Sécurité Routière” is the government road safety website (in French at www.securite-routiere.gouv.fr) providing general information along with the locations of fixed and mobile speed radars and cameras and details on how the penalty system works. These notes were provided by AngloINFO, a free online information service designed to help English-speaking people in Eggs
EU legislation provides that all eggs be labelled with a code according to method of production and this is shown by a code:
0 = free range chickens on organic land 1 = free range chickens 2 = chickens raised in barns 3 = chickens raised in cages
Electrical/Goods FOXY Electromenager, La Bobinerie, 17810 St. Georges des Coteaux, 05.46.94.69.21...this a good source for "white goods" at very competitive prices...it is not far from the 'multi-coloured' water tower
Electrical/Television/Video Dish/Washing Machines and service. Jougard et Fils, 22 Place St. Pierre, Gémozac, telephone number 05.46.94.20.24. Their shop is across the village square from the church in Gémozac and they are very responsive, punctual, polite and provide an excellent service. I could not be more impressed. They do general repairs but also larger jobs, and in fact when I moved into my new office they rewired it. Dominique Chauvin of La Bigorre is recommended for larger domestic electrical work and his number is 05.46.94.23.50
Because the traditional French house has fewer electrical devices than an English house, and because the supply of electricity is calibrated to each house, (and usually to a low level!) it is quite common that when an English family takes over a French house problems are experienced with the amount of electricity available because of the larger demand and therefore the power 'cuts out' when too many electrical items are in use. To remedy this problem in the short term the problem should be resolved by resetting the switch in the mains box (either inside or outside the house...usually flicking the largest switch from 'O' to 'I') and in the longer term contacting EDF, the French national electric company, to come to the house to reset the maximum level of power available to the property...this is a relatively easy change taking the EDF technician seconds to make.
The English speaking number for EDF is 05.62.16.49.08 and their e-mail is simpleenergywithedf@edf.fr Electronics, television, hi-fi An excellent referral is the "Expert" group which sells first quality equipment from computers to hi-fi to washing machines, dishwashers, cookers and freezers at good prices and offer excellent service. They are in Royan at 3 route Jean Besson, 05.46.05.20.00, Jonzac at Centre Commercial E. LeClerc on 05.46.48.56.00, and in Cognac at Parc Fief de Roy, Châteaubernard, on 05.45.32.00.23 For "on-line/discount shopping" for all electrical goods from washing machines to computers, www.darty.com is an option, with free delivery within 3 days. EMERGENCY SERVICES... KEEP THESE NUMBERS BY YOUR PHONE!!! SOS English-speaking crisis line...01.46.21.46.46 Non-emergency out-of-hours (evenings, weekends, holidays)...05.46.27.55.20 Fire service...telephone 18 Gendarmarie/Police...telephone 17 Police, Ambulance and Fire Brigade anywhere in Europe...112 Drugs and alcoholism...113 Child abuse...119 Homelessness...115 Emergency, sea and lake...1616 Regular Ambulance service...Ambulances Fauconnet of Gémozac...05.46.94.60.60, When you contact the emergency services you will/may be asked: Your name and phone number ..."Quelle est votre nom et numéro de téléphone?" What has happened..."Quelle est la nature de l'accident?" Possible answers: He/she has collapsed...Il/elle s'est évanoui" He/she has fallen..."Il/elle est tombé" He/she has had a heart attack..."Il/elle a eu une crise cardiaque" He/she has had a stroke..."Il/elle a une attaque d'apoplexie" You will be asked your address..."Quelle est votre addresse?" You will be asked the nature of the injuries..."Quels sont les blessures?" He/she is unconscious..."Il/elle est inconscient" He/she is bleeding..."Il/elle saigne" He/she is in a lot of pain..."Il/elle souffre beaucoup" He/she has a broken leg/arm..."Il/elle a une fracture de la jambe/du bras" If you or your partner has a particular medical condition then it would be in your interest to prepare a list of sentences similar to those above describing the problem so that you can accurately inform the emergency services immediately and keep these with the emergency numbers by your phone...it would also be a good idea to discuss these sentences with your doctor. English Groceries These shops have many of the items from the UK do not usually found here, Cadburys, Heinz, Bisto, Marmite, Digestive Biscuits, Mint Sauce, Branston, HP Sauce, PG Tips, Ribena, bacon, clotted cream, Cheddar and other cheeses etc. English residents who want to learn more about Eye Examinations In France, a vision test has to be done by a doctor and not an optician. Dr. Maroune, Ophthalmologist, at 103 Cours National, 17100 Saintes, 05.46.74.19.59, speaks English very well. His office is just down the hill from the roundabout at the Bank of Please see "Optician" below. Go to www.angloinfo.com where you will find info about fims in English in the region. Fires…the making of...20 steps!
Making a fire is a little like brain surgery…it is not difficult if you know what you are doing! When I came to 1. Check that the chimney is clean as if you have a fire in your chimney and it has not been cleaned in the previous year it may invalidate your house insurance…see “Chimney Sweep” above; 2. Use only dry wood and materials…it’s a good idea to buy your wood in the spring before the winter when you plan to use it, and try to buy oak...it's the best, burns well and doesn't 'spit'; 3. When you order your wood, ensure that it is cut to the size to fit your fireplace or wood stove…most open fires take 0.5 metre pieces of wood but ‘inserts’ or wood stoves may require shorter logs…each year I use about 3 cubic metres for one fire, 3 hours a day, (this is enough to heat my house for the winter), and buy wood by the 5 cubic metres so that each year I have some ‘very dry’ wood left from the previous year to begin with, and this year I paid 250€uros for these 5 cubic metres, 50 €uros per cubic metre. Logs usually come in a semi-circle (log cut in half length-wise) though I find that sometimes these logs are too big and don't burn through and so this year I am going to pay the extra to have my logs cut into quarters; 4. When your wood is delivered you will find it falls into 3 groups… thick/heavy logs, medium sized logs, and thin sticks of about 1.5 inches to 2 inches in diameter, the ‘kindling’; 5. Stack the wood under cover to keep it dry, in the 3 separate groups so that you have easy access to each; 6. Saw the smaller kindling sticks into short pieces, say 1/8 of a metre (about 4 inches) in length…you only need 3 or 4 of these to start each fire and so one stick as supplied by the woodman should be enough if cut into appropriately sized pieces, however if you don’t cut the sticks and instead use 3 or 4 ‘full’ sticks then you will soon use up all of the ones delivered to you and then have difficulty lighting a fire once these have gone, so they are precious!...each morning when I walk the pups I pick up suitable sticks for kindling such as old vinesticks to help avoid this ...old vine plants also burn very well too...when sawing the wood use the heavy gloves referred to in 6 below to safeguard your hands if you slip with the saw; 7. If your fireplace does not have a metal grate, buy one from one of the bricolage/do it yourself/hardware outlets…these help keep your logs ‘together’ in a neat fashion in the fireplace and lift the wood so that air is able to flow below...at the same time buy a pair of heavy gloves so that you can move logs without splinters or damaging your manicure...you will find these near the wood at the bricolage; 8. Buy small pieces of pre-cut kindling wood which you will find in bags at 4 or 5 euros per bag from the same place as ‘7’ above; 9. Buy a set of bellows from the same place as ‘7’ above; 10. At your local supermarket buy ‘firesticks’ such as ZIP “ALUME-FEU” cubes (I prefer those in individual sachets as they are cleaner and easier to use) and the ‘fireliquid’ such as ZIP “RAPIDE & SUR” which burn easily…these will be in the same place in store…in the supermarket I use, SuperU, they have their own brand but they are the same as the ZIP; 11. Choose a newspaper which burns easily…the “International Express” burns very easily but “The Connexion” does not!…I save old copies throughout the year so that I have plenty for the winter; 12. To lay the fire, ensure the fire/grate has all of the old debris removed and “scrunch” the pages of the newspaper into really small/tight balls and arrange in the centre at the lowest point of the grate, crumble pieces of the firesticks over the paper and then add the small pieces of kindling which you have bought in bags at the bricolage (see ‘7’ above);...be generous and cover the whole of the bottom and the back of the grate/fire area...it will help with a full fire! 13. Squirt some of the fireliquid (see ‘10’ above) over the kindling and paper; 14. Place 3 or 4 of the small sticks you have cut (see ‘6’ above) in a tepee/crosswise fashion on top of the smaller kindling and paper...this allows lots of air to be present and because the flames 'burn upwards', all of the smaller pieces of wood are in contact with the flame; 15. Apply a match…you can buy long matches, about 10” in length, at the bricolage or supermarket which allow you to light the paper in several places at the front and back without the danger of singeing your fingers; 16. Encourage the fire by ‘blowing’ with the bellows directed at the bottom of the fire so that the air comes from below the fire, up through the grate...this is when your attention and effort is critical as once the fire has 'caught' then it should not be difficult to keep it going; 17. Once the kindling and small sticks have ‘caught alight’, add a medium sized log in such a way that it sits on top of the kindling without pressing it down leaving room to allow air to come from below, and slightly at a raised angle on one side, so that the flame 'travels' along and up the log, and use the bellows, and then in due course add a larger log. It is important that you continue to use the bellows quite a lot at this time to blow air at the bottom of the fire to increase the heat so that the larger log begins to burn, and once you are past this point the fire should largely take care of itself...this is the most critical point because if the log does not 'take' then your kindling will burn but you will not have a fire, and so you will have to start again!
18. Don't put too many logs on the fire as it will not function well...less really is more! It may seem logical that 'the more logs, the more heat' but this is not correct, as too many logs will 'clog' the fire resulting in your burning a lot of wood but with little heat, and much of the heat being contained below/within the logs or going straight up the chimney. You will only feel the heat if you can see the flames/embers-cinders, and therefore use 2 split logs on the bottom of the fire plus the new split log on top of the log at the back of the fire, and as you add new logs cycle them so that the most recent log is always on the top at the back and the second-most recent below this and the oldest log at the front. This will result in maximum exposure at the front and the least amount of wasted heat up the chimney!
19. If your fire seems to be failing, just move the logs around to allow the air to 'refresh' them, and make sure that the logs are in contact with the embers/flame...and BLOW, BLOW, BLOW!
20. Each time you make a new fire remove the cinders remaining from the previous fire or they will 'clog' the grate and it will not be possible for the air to come up through the grate making it difficult for the new fire to take hold...
... and ‘voila’…your fire…and now for the crumpets! Firewood M. Retail. To find his wood yard take the D6 down towards Mortagne from Gémozac and at the roundabout at Boutenac-Touvent at "Le Relais de Touvent" restaurant follow the direction towards the A10 and his wood yard is a few hundred yards along on the left, opposite M. Jolly's carpentry workshop.
In Gémozac, M. Bidaud at 05.46.94.53.20 is a good source Wood comes cut to size, usually half or a third of a metre, (to fit your fire/heater) and is measured by the cubic metre or 'stair', and 5 cubic metres is a normal amount and the price 50 to 60 €uros per stair, cut and delivered but not stacked. !!!Buy your wood in the summer as you may find difficulty buying at short notice in the colder periods!!! Also store under cover so that it remains dry.
Florist France is a country with many wonderful florists however their floral creations can be very expensive, and I was pleased therefore to discover "Le Jardin des Fleurs" at 30 Cours Maréchal Leclerc, Saintes on 05.46.74.78.86. This is the major road into the town fron the direction of Rochefort and the north-west...the road which comes in from the ringroad, past the small roundabout and continuing into town, with the Carrefour shopping centre on your left, and a few hundred yards beyond this and the Yves Chevalier playing fields is the shop...superb flowers at excellent prices...and 'open' 365 days per year! Flu shots The vaccine against the flu ("la Grippe") is readily available from any chemists without a prescription and you take it along to your doctor shortly after purchase for the injection...the cost of the vaccine is about €6 or €7, and the request is "Je veux le vaccin pour la grippe, s'il vous plaît"..."I want the vaccine for flu, please". Fosse septique, fosse étanche, toutes eau fosse In 1. The field next door (really!...quite common in the older properties!) 2. a 'fosse étanche' or sealed tank which needs emptying when it is full...these are not common and found on older properties 3. a 'fosse septique' (septic tank) which is the most common and deals with the waste from the wc where the solid waste breaks down and liquid runs off into the underground...the process of decomposition can be helped by adding a product widely available called 'Eparcyl'...(SuperU supermarket has it)…which is administered ‘down the toilet and flush’ either weekly or every 3 months depending on which Eparcyl you buy 4. a 'fosse toutes eaux' which is an all water fosse and the most modern kind and 5. mains drainage with 2 to 4 these require periodic emptying and for this process I recommend Balthazar Poupelain on 05.46.49.95.49 As a matter of routine I add Eparcyl to my system on Sundays (although you can now buy a bottle of Eparcyl which lasts for 3 months) and also on Sundays lift the inspection hatches to ensure that there is no blockage...if there is and you check weekly then it is usually just a job 'for the hosepipe to clear' or a forcefully thrown bucket of water but if the blockage is allowed to build up it can be messy to clear and may need the help of a company such as Balthazar Poupelain. I read recently in "French Property News" that a check every 4 months is fine, but based on my experience (and common sense!) this is not often enough, and as it is so easy to do and takes so little time, a weekly examination is the way to go! Despite these precautions there can sometimes be a build-up of a solid mass on the top of the main tank which can impede the flow from the pipe from the house but this can be fairly easiy resolved by breaking-up the mass with a stick. Do also note that the main tank should always appear 'full' with the surface at the bottom of the entrance of the pipe from the house into the main tank...the exit hole into the filtration system is slightly below the access of the main pipe so that as the main tank 'fills' the excess dribbles through into the filtering system...when I first came to France I had the fosse professionally emptied when it was "full" and it was only later that I realised that it was not necessary. If the system has been properly installed then with the exception of the attention above it should function smoothly. Fosses are widely used and work very well, and both of my houses have had them without any problem. I did read recently an article in "French Property News" (p.30, Issue 190, December 2006) and one of the authors mentioned that if you notice an odour from the breather pipe you can fit a filter at the top/exit point which should remedy the problem, and you will find information on this from Gary Dyson of "Humm-Busters" (really!) www.humm-busters.com or 0033.(0)2.41.82.64.40. Russell Barratt on 0033.(0)2.96.86.51.05 and Perfect Groundworks on 0033.(0)2.96.86.61.62 also contributed to the article and although they are not 'local' I am sure they would give advice over the phone. DO'S AND DON'TS WITH A FOSSE DO make sure you know where the access hole to your tank is have a visual check done on your tank by lifting the access plates every week have your tank pumped every 4 years by a registered company which will dispose of the waste properly keep a record of the maintenance work ensure that your tank is accessible for the large vehicle which will be involved in the emptying make sure your air vents are never blocked keep run-off water from guttering away from the tank and filter buy your toilet paper locally as it will be suitable for a fosse...English paper is fine for mains drainage but possibly not for a fosse as it may not biodegrade/deteriorate properly and therefore cause blockage use Eparcyl (see above) on a weekly basis or as directed...it would be a good idea to add the Eparcyl and inspect under the covers at the same time each week so you spot any problems before they become too difficult to remedy DON'T put anything 'non-biodegradable' into the system...with the exception of toilet paper nothing should go into the system that has not been eaten first use drain rods or boiling water to open blocked drains...if the fosse is inspected weekly than a bucket of cold bwater thrown forcefully or a hose pipe should be enough to clear any blockage, and failing that a freshly cut flexible long thin branch should do the trick pour fat, cooking oil, grease, bleach or paint down the drain dispose of chemicals or pesticides in the septic tank allow paints, solvents or motor oils to enter the system put nappies, cotton wool, facial wipes or sanitary items down the toilet use a garbage disposal system desludge your tank too often or empty it completely park or drive over the drainage field "Look after your fosse and your fosse will look after you!" French Lessons There are a number of options here. 1. GRETA (Academie of
2. I have received an excellent recommendation to the conversational language classes provided by the social and cultural centre of Pons, "Centre Social et Socio Culturel de Pons", 44 av Gambetta, Pons, 05.46.91.61.13. 3. The CAREL language school at 48 boulevard Franck Lamy, 17205 Royan, 05.46 39.50.00, www.carel.org This is a language school dealing with all levels from the general, one-to-one, professional classes, classes for beginners, and full-time classes for young people involving both the academic and social, organized during the summer which are planned so that a younger person can become competent in the summer months and so continue in school without missing a year. You can also perform a ‘self-test’ of your ability on-line at www.carel.org
Furniture Meubles Graham Barry at Chez Moreau, St. Sulpice de Meubles Graham Barry is so good that you should not buy any furniture without visiting. The telephone is 05.45.32.12.46, Quite a 'find'! I have also received an excellent recommendation to "Maisons Du Monde" at 44bis, cours National (the main street) in Saintes, near the Palais de Justice and the pedestrian way, 05.46.92.78.78…well-priced furniture and accessories from all over the world.
Hémisphere Sud, 26 Antoine de Lavoisier, 17200 ROYAN "have an eclectic mix of French style furniture that appeals to English tastes, and excellent service and aftersales" and can be found on the outskirts of Royan as you are heading toward Saintes
Emma and Phil Hutchinson run their guest house, "Ma Maison de Mer" at 21 avenue du Platin, 17240 Saint Palais sur Mer, 05.46.23.64.86, www.mamaisondemer.com, reservations@maisondemer.com They have designed and decorated it with exquisite taste and here are their recommendations for their "favourite interior shops":
Home In, 1 Impasse du Brandon, Rocade Royan, La Palmyre, 17640 Vaux-sur-Mer, 05.46.05.57.14, inhome@orange
Tarra, 79 Route de la Roche, 17640 Vaux-sur-Mer, 05.46.22.58.79, taramaison.jardin@wanadoo.fr
Garage/Mechanic Gardener
To claim against capital gains tax for work done on a property it is necessary to have proper documentation/receipts of the work completed by registered artisans specifying when the work was completed on the property with its address. I recently encountered a case where the receipts had been mailed to another address without stating where the work was actully done and these were disallowed for the purpose of reducing the capital gains tax on the property.
I have received an excellent recommendation to Jean Surma on 06.78.90.80.82. He does all renovation work and is very knowledgeable on the history and construction of Charentaise buildings and therefore deals with them in a sympathetic fashion.
Jean-Louis Pajoud is a recommended builder in Brie-sous-Mortagne…roofs and walls etc, 19 ave Mirambeau, Brie-sous-Mortagne…05.46.94.13.82
For "D-I-Y" but by someone else! ('my kind of D-I-Y!') call Phil and Mary Barrows on 05.46.48.96.88, 68 rue des Peupliers, Chez Pinaud, St. Fort
General procedures for purchasing an existing French property
Blake Lapthorn are bilingual English solicitors and French Notaires with offices in London, Portsmouth, Southampton, Oxford, Fareham and Winchester, and offer advice regarding the purchase of French property, tax planning, wills and inheritance, commercial property, corporate requirements, administration of estates, marriage contracts and divorce matters, and French consulate matters. Their website is www.bllaw.co.uk, and Christophe Dutertre or Marie Slavov can be contacted on 020.7405.2000.
The buying process can be divided into 4 phases: 1. The search and offer Properties can be found with or without an estate agent, however particular care should be taken here if you are not using a bilingual estate agency and have to deal with a vendor in French. When visiting a property in your search to find ‘the one’ points to raise should involve any recent work that has been carried out on the property or any work anticipated before completion, and that planning permission is in place. In addition, discuss the drainage system, any fixtures and fittings which will remain with the property, and the location of the boundaries. It is possible to arrange a survey by an English surveyor and while this is not usual in France, it is ‘your money, your dream home’…you will find details below under “Surveyor”…however before this initial agreement is signed the seller is obligated by law to provide and pay for reports conducted by independent government approved experts relating to asbestos, lead, termites, technological and natural risks, energy efficiency, electrics/electricity, water and gas, and the swimming pool (at a cost to the seller of about 700€) however if you require further information then you will need to hire your own surveyor....see SURVEYOR below Enquiries can also be made at the local Mairie regarding new developments, roads to be built in the surrounding area and any planning regulations applicable to the property and its environment. Once you have dealt with the above issues you can make the offer.
You should make the offer in writing through your agent and the offer should be detailed including all of the things you expect to stay with the property, and then if the offer is accepted the terms can be included in the initial agreement. During the visits to view a property misunderstandings can arise as to what is included with the property, and this is particularly possible where you are dealing in two languages, and this is why it is important to document these matters from the beginning.
Under French Law (article 524 of the Civil Law) certain items are classified as 'moveable' and these do not stay with the property and some as 'immoveable' which do. (Sean O'Connor, a bilingual lawyer at www.seanoconnor.co.uk or 017.323.65378 wrote an article on this in the French Property News, Issue 210, August 2008, p.80.)
You buy a farm with a field of wheat in July...does the wheat belong to you? No, because the wheat will be cut in August and will be converted from immoveable to moveable
The property has an attractive copse...can the vendor cut down some of the trees? Yes, because he is still the owner, and once they are cut they go from immovable to moveable...and then he has up to 30 years to remove them!
The vendor has leased a field to a local farmer and then given the farmer some cows to graze on the field. Do you own the cows? Yes, because in this lease sitiuation they are deemed to be immoveable.
The farmer has another field on which he has cows grazing...Do you get these cows too?
The farm has all sorts of farming implements such as rakes, scythes, shears and so on...Are these yours? Yes, because the law classes these as immoveables
There is a large pond with fish...Do you get these? Yes, because they are immoveables.
There is a rowing boat on the pond...Do you get this? No, because it is moveable.
Near the farmhouse are some bee hives...Do you get these? Yes...they are immoveables too.
A stack of bricks is waiting to be used to refurbish a wall...Do you get these? No, because they are moveables.
The house is quite posh with a Greek statue in a niche and an Italian statue not in a niche...Do you get these? Yes and no! The statue in the niche is an immoveable and you get it, the other one not in the niche is moveable and you don't. 2. The signing of the Compromis de Vente. The Compromis de Vente or initial sales agreement is the document setting out the terms of the sale, identifying the seller, buyer, property, price and conditions. It is an important document as it sets out the terms of the agreement and will be used by the Notaire in the preparation of the final deed and it is therefore of critical importance that you completely understand and agree to all of the terms. Our office provides the Compromis in English and French, paragraph by paragraph, and before it is signed we go through it with you so there are no surprises, however if you have to deal with an agreement only in French then extreme caution is advised. The Compromis will be subject to conditions which usually cover planning, whether or not there are any charges, outstanding mortgages, easements, rights of way or encumbrances on the property. You can where appropriate include clauses dealing with matters such as obtaining a mortgage, or work to be completed on the building, or really any clause if it is by agreement. In addition to the above the Compromis by law includes a clause allowing the buyer a reflection period of 7 days following the signing of the Compromis, during which period he can withdraw from the agreement. After the 7-day reflection period has passed without rescission, and subject to all other conditions being fulfilled, then you own the house…subject to paying the balance of the funds of course! It is interesting to note that the seller does not enjoy the same 7-day reflection period…once he has signed the Compromis he is committed to sell you the property. (If you or the seller decide not go ahead after this point the party at fault will be liable for damages including, but not limited, to losing the deposit, being compelled to execute the contract, paying all fees, plus possible further damages where appropriate.) The deposit is paid at this time, usually 10% of the price, and this should be paid in trust to the Notaire who is the government appointed solicitor dealing with the transaction and collecting the government taxes. 3. The structure to be put in place If you have not already taken care of this, now is the time to make sure that you are buying the property in the best way for your own personal and financial position, under French and English law, to avoid difficulty and expense in the event of death, divorce, separation, disagreement or any other unforeseen/unplanned calamity! The importance of this cannot be overstressed. As long as you take care of this before completion than the deed/ownership can be registered in the best way to protect your surviving spouse and/or children. “LEGAL ADVICE” below recommends a bilingual French Notaire, Jean-Paul BIAIS of Saintes, or a firm of English solicitors, Blake Lapthorn of London and Portsmouth, the principal of which, Philippe Piedon-Lavaux, is also a Notaire. Both of these are first rate. Options to consider might include dealing with the purchase through schemes such as “en indivision”, “en tontine”, with a pre-nuptial agreement/marriage contract, a life interest in possession, with a company, or a Trust. The modest cost of the right advice at the beginning may well avoid difficulties and greater cost in the future. A French will should also be considered too. Since 20.08.2007 spouses have been exempt from inheritance tax. This does not apply to gifts between spouses however…they are still subject to gift tax above the taxable threshold of €76,988. The nil rate band becomes available every six years. This is particularly relevant for those already domiciled in Buying property as joint owners ‘en indivision’ Inheritance Implications One of the ways a couple can hold a property in The French rules of international private law provide that the succession of land and property is governed by the law of the country where it is situated unless held in the name of a Company subject to conditions. Through a will the spouse can increase the surviving spouse’s portion however French law has a concept of forced heirship which means that, as a matter of public policy, children have a statutory right to inherit part of their parents’ estate and cannot be disinherited. A will cannot override their rights but there might be other means to circumvent these rights subject to the circumstances. During the lifetime of the co-owners ‘en-indivision’ one party can claim and force a sale of the property without the consent of the other. On the death of one of the co-owners when the surviving spouse is in co-ownership with the children then in the event of a disagreement over the sale of the property the party wishing to sell can compel the other party to sell his/her share without the consent of the other. If one of the parties wants to sell his share the others have the first option to buy that share even if a ‘non-related’ buyer has been found. A ‘buy-out’ clause could be inserted into the original agreement to deal with the subsequent death of one of the co-owners. Buying property with a Tontine Clause It is important to realise that French property purchased by English people in their own names will be governed by French inheritance laws and French tax laws. If you have children, according to French law, it is usually impossible to leave your whole estate to whomsoever you wish as these beneficiaries…your children…are entitled to statutory inheritance rights. Consequently a tontine clause may be the answer. Why a Clause Tontine? Because French law favours children, the use of the clause tontine is seen as a way to override French inheritance rules until the last owner dies. With a clause tontine, which works like a survivorship clause, on the death of the first owner the surviving partner will become the sole owner of the whole property and has complete freedom to dispose of the property. As long as any children are from this relationship there is not a problem because they will receive their inheritance eventually when the surviving partner dies however a tontine clause may not be suitable where there are children from a previous relationship of the deceased. Let's say John and Sue buy a property via a tontine clause and John has 3 children by a previous relationship. On his death the property would go to Sue who could sell the property and may try to deny the inheritance rights of John's children and so it could be challenged under these circumstances...however each case should be assessed on its facts and this issue should be discussed with your solicitor before opting for the tontine clause to ensure it is the correct one for your family situation. A clause tontine can only apply to the property if inserted in the title deed (Acte de Vente) at the time of purchase…afterwards it is too late. The clause tontine can also operate where people are not married.
The first condition is that the purchasers should contribute monies equally to the purchase…although a few exceptions are possible. In theory it is imperative that the purchasers’ life expectations are similar so that either buyer could be the survivor…even with a difference of ages it can be argued that each party has a reasonable chance of being ‘a survivor’. If one purchaser pays the price or if the life expectancy between the purchasers is not equal (that is, one is likely to die before the other) then the clause tontine can be attacked as ‘hiding a gift’ between the purchasers and the clause tontine can be cancelled. The co-owners have joint possession of the property. When both of the purchasers are still alive a sale of the property is only possible if both owners agree. If one does not want to sell the other cannot compel the sale. One might be held hostage until the other co-owner dies with no means to sever the Tontine whatsoever. Because there is co-ownership the personal creditor of one of the co-owners cannot seize the property except where the tontine clause has been entered into fraudulently with the intent to deprive the personal creditor of his rightful claim against one of the parties. The clause tontine is normally subject to French inheritance tax depending on personal circumstances and the financial implications of using this method should be considered before it is chosen. Pre-Nuptial Agreement/Marriage Contract (You will find a detailed discussion of pre-nuptial agreements and community funds by Philippe Piedon-Lavaux of Blake Lapthorn on page 82 of “French Property News”, issue 207, May 2008) Agreements known as pre-nuptial or post-nuptial agreements have been in use in The contract is ‘partial’ if it covers only the French property, whereas those who intend to move to What is a Community Fund? A community fund called “communauté universelle” can be compared in some ways to a Legal Implications 1. The community fund can specify amongst other conditions that upon the death of a spouse, the entire fund accrues to the survivor even in the existence of children. 2. By transferring the couple’s assets into the fund there will be no probate on the first death, that is because of the joint-ownership no estate comes into being on the death of the first spouse. For this reason however the children from a previous relationship are entitled to claim against the surviving spouse (who will be the sole owner of the fund), for what they should have received under French law on their parent’s death (ie. their French compulsory rights). This might be effectively dealt with as part of a global agreement in a Will in some other territory, perhaps Tax implications The cost of this agreement is that French inheritance tax will apply upon the second death on the whole aggregated estate of the surviving spouse. Therefore any tax-free threshold per parent and per child will be used once on the second death only. UK couples who were married after September 01, 1992, and have spent 10 years in France will automatically become subject to French matrimonial law under Article 7 of the Hague Convention. Unless they have taken advice as to how to mitigate it, this will have an impact in the event of death or divorce (as some assets will be deemed to be owned as tenants in common rather than being owned with a survivorship scheme). Transferring the French assets into a community fund could be an effective solution. Where to sign The setting up of the community agreement can be undertaken by a solicitor. For those who have existing properties that need to be transferred into a community fund it is important to remember that it can be signed in the Life Interest This is where one person actually owns the property but allows someone else to use it and maintain it…it is commonly seen where a child owns the property but allows its parents to live in it…the parents are called the “usufructuaries”. As the family intention is that the property eventually comes to the child it avoids any legal change of ownership at this time. Purchasing a French property through a company If you buy your property through a company set up in the Trusts As with the section immediately above you should seek legal advice regarding your options. These considerations should really be dealt with before even beginning your search however the appropriate buying structure does not generally need to be in place before the day of completion and the signing of the Acte de Vente or deed, usually about 3 months after the signing of the initial Compromis. At least 10 days before final completion ensure that the balance of the payment required has been transferred to the Trust Account of the Notaire …transfer of money to France always takes longer than elsewhere, and if the money has not arrived then you cannot take possession until it has! You can however pay the balance to the Notaire at the time of signing if you have a banker’s draft from a French bank.
!!!Do note though that the above is a general discussion in a summary fashion of the various options but each case differs according to the personal situations of the parties with possible ramifications in subsequest ownership, inheritance and tax payable and therefore before choosing any of the other options you should seek professional advice to ensure the choice is the best one for you!!!
4. The final completion This takes place at the office of the Notaire and takes about 1.5 to 2 hours. This process is entirely in French including the deed and therefore if you are not dealing with a bilingual agency able to explain each clause then you should take an interpreter; if you have used a law firm such as Blake Lapthorn then it will have explained the process and deed to you before the meeting at the Notaire’s. If you cannot attend then you can use a "Power of Attorney" ('procuration'), a proxy signed and witnessed in France before the Notaire or in the
Unless it is unavoidable I do not recommend a POA because you should always visit the property shortly before final signing to ensure it meets your expectations, that is that all the things promised to be done have been done and items that were agreed to be left have been left. The Notaire will go through the agreement paragraph by paragraph, and once it is in an acceptable form each party will be asked to initial each page and sign in full on the last page. At this time you will also see and initial the various government-ordered surveys, and the local searches such as the one through the Land Registry or local Mairie. The transfer of ownership and payment of the full price from the funds you have deposited into the Notaire’s Trust account takes place at this meeting and you own the property from this time. It is necessary that the property is insured by the new owner from this date and that all services have been transferred into the name of the buyer, and so you should deal with these factors shortly before the signing. The Notaire will give you ‘attestations of ownership’, one with the price stated and one without, (which you can photocopy as needed) and you will need these to prove ownership, for example, when dealing with the connection of a telephone…the water and electricity can be dealt with by a telephone call when you provide the final meter readings but for the telephone you have to attend in person at the office of the telephone company...Saintes is our closest office. The Notaire will register a certified copy of the title through the General Property Servicing and Maintenance Kevin and Melanie Smith own M&M Property Maintenance based at St. Maigrin, southeast of Jonzac, and work in the south and southeast of the Charente-Maritime. Their work includes property and garden maintenance, tiling, painting, fencing, pool cleaning, security checks on unoccupied property, and cleaning and airing of a property. Their telephone number is 05.46.70.62.83 or 06.72.21.80.27, their e-mail is lifeboatmoose@wanadoo.fr , and their address “Chez Fouquet”, 17520 St. Maigrin. The reports I have received have been very good. They are enthusiatic, dependable, versatile, talented, hard working, and their charges are reasonable. Another company doing similar work in the south and southwest of the département is Premier Service on 05.46 70.42.25, contact David Hayes, www.pspremierservice.com
I was impressed when I met Trevor Pitcher of Charente Property Management based in Courpignac, 17130, on 05.46.49.94.36, e-mail trevor.pitcher0408@orange.fr . He returned my calls when he said he would and went to some lengths to assist the owner who was about to list the house for sale, and at short notice, causing him to have to rearrange his own schedule, and at no real benefit to himself; his manner in our subsequent meeting was very sound. In addition to property management he will also assist in property advice when you are considering a purchase, help in contacting quality local artisans, and building restoration, and will provide references from all his clients on request. The area is easily accessed from the UK by car in one day along the north/south A10 motorway, by Eurostar high speed train (TGV) from London Saint Pancras (www.eurostar.com, 0870.518.6186, www.raileurope.co.uk, 0870.584.8848, Rail Savers, www.railsavers.com, 0870.750.7070) to La Rochelle, Angoulême or Bordeaux (be sure to change at Lille and not Paris as it’s much easier), or by cheap flights:
Flights The information below is an overview of the available services however each has its own schedules, perhaps operating only on certain days of the week or for certain months, and the availability and times of flights can change so check before you make any final arrangements. If you do find that any of the information below is not correct or has changed please let me know. The airlines are: FLYBE at www.flybe.com on 0044.1392.268.500 JET2 at www.jet2.com on 0821 230 203 EASY JET at www.easyjet.com 0 899 700 041 AER AER LINGUS at www.aerlingus.com 0818 365 000 AIR BMIBABY at www.bmibaby.co 0870 720 0156 To: From Bergerac From From From London Stansted or Birmingham by RYAN To Angoulême From
You can arrange car rental either with the airlines or Eurostar or rent a car at your point of arrival. There are 9 Cross Channel Ferries… Brittany Ferries, 0870.536.0360, www.brittanyferries.com, Portsmouth to St. Malo, Caen, Cherbourg, Le Havre, Poole to Cherbourg, Plymouth to Roscoff, Condor Ferries, 0845.345.2000, www.condorferries.co.uk, Eurotunnel 0870.535.3535, www.eurotunnel.com, Folkestone to Calais, Norfolkline, 0870 870.1020, www.norfolkline.com, Dover to Dunkirk, Speed Ferries, 0870.222.7496, www.speedferries.com, Transmanche Ferries, 0800.917.1201, www.transmancheferries.com, Newhaven to www.viamichelin.com, (also showing the location of speed cameras!) and Gilbert and Sullivan by the "Jonzac Players" Performances are at the theatre at the Chateau in the centre of Jonzac, and for further details call Catherine on 05.46.70.60.91 or Jane on 05.45.32.39.72 or Bill on 05.46.70.01.94, or e-mail gandsjonzac@aol.com
If you would like to get involved in the performances or organization, contact Ian and Sue Todd on 05.46.96.44.80 or toddy@wanadoo.fr
Glazier M. Bougnoteau of Les Parpaillons, Gémozac (near the roundabout) 05.46.94.22.22 has an excellent reputation, and
STORES 2007 has a number of local offices...05.46.98.98.00...they made and installed the blinds in my office and were punctual, professional and gave excellent after-sales-service...I was very impressed!...93 rue Docteur Jean, Saintes GOLF IN CHARENTE-MARITIME The south Charente-Maritime is ideal for golfers there being three excellent 18 hole golf courses and one 9 hole within 20 to 30 minutes of Gémozac connected by the N141/N150 roads. To the west on the coast at Royan is Golf de Royan, www.golf-de-royan.com at 7 avenue Palmyre, 17420 St. Palais sur Mer, 0033.(0)5.46.23.16.24. Moving east we see Golf de Saintes Rouyer Guillet, And then further east near Cognac we see Golf du Cognac at 2 rue Maurie, St. Brice, 0033(0)5.45.32.18.17. At Montendre is the nine hole course, Golf Club de Montendre, Route
There is also "Gym. Volont" in Gémozac for adults on Monday from 19.00 to 20.00 and Thursday from 19.00 to 20.00 at 'La salle de l'ancienne école maternelle', call Yann on 06.69.96.15.05 or Yolande on 06.78.80.71.75 In Pons there is a gym at "Culture Forme" at 17 rue St. Jacques, 05.46.91.23.15. In Saint Genis de Saintonge there is a gym programme with cardio/tonic, step, kick box, rope skipping etc. and for further information contact Véronique on 05.46.97.46.45 or Mme. Chevreux on 05.46.49.86.33 Hairdresser Kim recommends CREATIF COIFFURE at 6 rue de la Libération in Gémozac, next to my office at the traffic lights at the post office, 05.46.94.52.52 Health insurance and reimbursements To find out about the state health insurance, coverage and reimbursements call 0820.904.212 where you can speak to someone in English or go to the website www.ameli.fr Holidays April 17 May 01, 08, 25 July 14, August 15 November 01, 11, December 25 Clocks go forward 1 hour on March 26 and back 1 hour on October 29 Hospitals Saintes...Centre Hospitalier de Saintes, 11 bd. Ambroise Paré, 17108 SAINTES, 05.46.95.15.15 Royan...Centre Hospitalier de Royan, 20 avenue Saint Sordelin Plage, 17640 VAUX SUR MER, 05.46.39.52.52 Jonzac...Centre Hospitalier de Jonzac, 4 avenue Winston Churchill, 17500 JONZAC, 05.46.48.75.75 House sitting I have received a good recommendation for Glenys Owen who is prepared to house-sit for you and look after your pets including dogs, cats, horses, sheep, chickens etc. Her numbers are 05.46.24.01.39 or 06.30.78.21.34 Hunting
Centre commercial Bordeaux-Lac Avenue des 40 journaux
Opening hours: 10 to 8 Monday, Tuesday and Wednesday 9 to 8 Saturday
See "General procedures for purchasing an existing French property" above
Insurance AXA does a lot of insurance work for clients of the agency and Jean-Christophe Vallein, the agent, speaks English, and his number is 05.46.70.35.80, and e-mail agence.vallein@axa.fr and his address 34 rue des Brouillads, Montendre 17130...we use his services and have found him excellent. It is far more useful to have an insurer nearby rather than at a distance, say in the
I have also received excellent reports about AGF, M. and Mme. Dupouy, 81 Cours National, Saintes, 05.46.93.61.09, and they speak English! All insurance companies are regulated by the 'code des assurances'. It is generally not possible to cancel an insurance policy mid-term unless certain events occur...You can cancel the policy at any time in cases of death, changing marital status, or sale of insured items.
INTERNET To ascertain whether your line works on ADSL high-speed internet ("Broadband") go to www.123adsl.com and enter your telephone number. Ironmongery, fosse septique, chimney sweeping For the above I recommend Balthazar Poupelain…they have a number of locations in the area although you can use the telephone number…05.46.94.66.60. Junk mail
This is a particularly difficult area as how your pet is going be treated while someone else is looking after it could not be of greater importance. Normally you are in your pet's company for "24/7" or at least your pet is in a known, safe and secure environment...but if you put it in a kennel you suddenly 'vanish', your pet is in strange circumstances with people it does not know, and you can't explain what is happening to your pet. We are lucky enough never to have had to leave our pets but if this is the only choice available to you, and because of the potential impact on your pet, it should be dealt with very, very carefully.
I suppose the best way would be to find a friend who knows your pet and is capable of looking after it to stay in your house with your pet so it does not go through the double trauma of being placed with strangers in a strange environment...see pet sitting/house sitting Mrs. Glenis Owen...however if this is not possible then you have to find the right resource.
Also if you are going to be away for a considerable period let your pet stay in the kennel for a couple of days before the actual stay to see how your pet reacts and so that it 'knows' that you are going to return. Also leave items which it knows and which have your scent on them with the pet when you leave it. I think 6 words should be in the forefront of your considerations... "recommendation, recommendation, recommendation" and "inspection, inspection, inspection". Probably the best place to start is to speak to your vet as he should hear from many pet owners and know the quality of the people looking after the resources. Failing this I suppose friends are a good resource however this would be my second option. Once you have the recommended resources, visit and ask to inspect the 'operation' not only where your pet will be kept but the entire facility. Are the people professional, does the business have a SIRET number, which vet will they use, what do they do in emergency situations, how often is your pet 'checked', inspect the food storage area and note the quality of food and the amount in the store, do they ask you about special requirements of your pet and can they accommodate them, look at the pets currently in care, do they ask you about whether your pet is properly vaccinated, how will your pet be accommodated, is the accommodation clean or smelly, what about pet exercise, is it secure, do they have pet insurance...and finally, do you feel comfortable leaving your pet with them?
Some places insist on 'inspections by appointment', and while this may be convenient for the kennel, it makes me a little uncomfortable as if a place is 'OK' then you should be able to view at any time. I would therefore simply turn up without an appointment, and if it is impossible to see a place without an appointment, make one and turn up 24hours before 'by mistake'.
A recommendation I have received is Jean-Claude Guerin, 3 rue de la Laiterie, Bel Air, St. Georges des Coteaux, near Saintes, 05.46.74.63.60. My friend (who is very careful about her pets) wrote "We were very impressed when we visited. If we should have to leave our pets at any time this is where we would definitely choose. We met a number of English people delivering and collecting their pets and they spoke very highly of its service."
And it bears repeating...I am sure that you would not want to leave your companion at any place that was not perfect and so it is crucial that you obtain recommendations and inspect the resources.
Kids’ stuff These notes are taken from p.34 of “Living Poitou Charentes”, August-September, 2008…Do phone ahead to confirm the details!
…an exceptional, animal-friendly zoo open all-year round from 9am to 7pm, 14e for adults and 10€ for children 3 to 12. Les Antilles de Jonzac, Parc du Val de Seugne, 17500 Jonzac, 0033.(0)5.46.86.48.00, www.lesantillesdejonzac.com …an aqua recreation centre with Caribbean beaches, lagoons, waves and toboggan, with 850m² of pools, games for children, fitness centre, Jacuzzi and water-jet massage, tropical gardens, shops and restaurants. The Lagoon is open from Paleosite, Saint Césaire, Paléosite, La Roche, 17770 Saint Césaire, 0033.(0)8.10.13.01.34, www.paleosite.fr A walk in a prehistoric park, a centre devoted to Neanderthals, a giant screen journey back to prehistoric times and interactive workshops. Open from Le Château des Enigmes, Château d’Usson, Route de Fléac, 17800 Pons, 0033.(0)5.46.91.09.19, www.chateau-enigmes.com The themed treasure hunt takes you round the grounds and the château itself and you can picnic on the terrace. Open from Le Cap Enchante, 4 rue de la Croix de l'Anglais, 17490 Macqueville, 0033.(0)5.46.26.67.76, www.lecepenchante.com Here is And finally one of my favourites in the Maison des Gabarriers, Association Saint Simon, 16120 Saint Simon, 0033.(0)5.45.97.33.40 The museum shows what this sleepy village was like in the 19th century when it was a major port and boatbuilding centre producing flat-bottomed gabarres (the boats used on the
Asinerie du Baudet du Poitou, Ferme de la Tillauderie, 17470 Dampierre sur Boutonne, 05.46.24.68.94, asineriedubaudet@cg17.fr is a donkey sanctuary for the special Charente-Maritime donkeys, "Baudet du Poitou", with their characteristic long, dark fur. There are exhibitions, saddlery, a smithy, videos, and each summer there are free events.
Kitchens A client recently had a kitchen supplied and installed by Jean Marie Moreau of Avenue de Saintonge, 1700 Saintes and every element of the work was first rate...the number is 05.46.74.48.00
I have also seen excellent kitchens from IKEA...see above...excellent value for money Knickers Marks and Spencers will deliver knickers to France for £10.00 - go to www.marksandspencer.com Inheritance...It is best to sort this out before you buy a house, (and certainly before you die!) and to do this see a Notaire...if you don't you will almost certainly leave a lot of (possibly expensive) problems for your family Jean-Paul BIAIS is a bilingual Notaire (French solicitor) and can assist you with any legal matters in Blake Lapthorn are bilingual English solicitors and French Notaires with offices in London, Portsmouth, Southampton, Oxford, Fareham and Winchester, and offer advice regarding the purchase of French property, tax planning, wills and inheritance, commercial property, corporate requirements, administration of estates, marriage contracts and divorce matters, and French consulate matters. Their website is www.bllaw.co.uk, and the solicitors Marie Slavov or Christophe Dutertre can be contacted on 020.7405.2000.
Lighting Laurie Lumiere, Cours Paul Doumer, 17002 Saintes, 05.46.97.80.93...they have a huge selection of quality lighting covering a wide price range...to find, come of the rocade (ring road) at MacDonalds and travel in the direction of Royan and almost immediately take the slip road round past the Toyota dealer...keep to the right as the road bends left and they are on the right hand side.
Local Radio Nostalgie 98.7FM...an excellent radio station with a lot of classic English songs from the 60's and 70's Cherie 96.0FM...easy listening modern music Allouette 95.5FM...easy listening modern music France Bleu 103.9FM...general music The Mairie The Mairie (or town/village hall) of each village is an excellent source of information about anything in the village. If you are unsure of your ability to speak French then prepare your questions using www.freetranslations.com and you will be fine! Outside the Mairie you will find a notice board with details of local activities, and the village hall is often found next to the Mairie. When you arrive at your new house it is a good idea to visit the Mairie to introduce yourself. You can obtain most forms you need as part of your relocation at the Mairie including the one to register your car or apply for the certificate to install a pool. If you plan to make any changes to the outside of your house you should discuss these with the Mairie.
Gémozac...every Friday morning and the big market the 3rd Friday in the month Jonzac...Tuesday and Friday with the big market the 2nd Friday of the month Pons...Wednesday and Saturday are market days with the big market the 1st Saturday of the month and the 2nd Sunday of December Royan...the large daily indoor market is the best in the area with a fair on Wednesday and Sunday Saintes...Tuesday and Friday at Cours Reversaux, Wednesday and Saturday at
Mason J. Louis Pajaud and Alain Arcourt of Brie-sous-Mortagne are recommended as stonemasons/builders and their number is 05.46.94.13.82.
The Metric System The measurements below are approximate and therefore for general guidance only 1 inch = 0.0254 metre, 2.54 centimetres 1 yard = 0.9144 metre 1 mile = 1.6km(approx.) 1 centimetre = 0.39 inch(approx) 1 metre = 39 inches(approx) or 1 yard 3 inches or 1.093613298 yards 1 kilometre = 0.62 mile(approx) 8 kilometres = about 5 miles 1 acre = 4,840 square yards or 4,047 square metres 1 hectare (ha) = 10,000 square metres or 11,959 square yards or a little more than 2.47acres 1 pound = 0.45359237 kilogram 1cwt = 50.8 kilograms(approx) 1 ton = 1016 kilograms(approx), or a little more than 1 tonne 1 kilogram = 2.2 pounds(approx) 1 tonne = 0.98 ton(approx) 1 (UK) pint = 0.568245 litre 1 (UK) gallon = 4.54960 litres 1 litre = 1.7598 pint or 0.21997 gallons To convert Fahrenheit to Centigrade (Celsius)
For Fahrenheit to Celsius deduct 32 from the Fahrenheit, increase the resulting figure by 1/9 and then halve the result...eg. 212F (boiling point) minus 32 = 180, increase by 1/9 = 200 and halve = 100C For for Celsius to Fahrenheit multiply the Celsius by 2, deduct 10% and add 32…eg. 100°C(boiling point) x 2 = 200 – 10% = 180 + 32 = 212°F(boiling point) …and in the kitchen… 275°F = 140°C 1 oz = 25g 300°F = 150°C 4 oz = 110g 325°F = 170°C 1 lb = 450g 400°F = 200°C 5fl oz or 1/4pint = 150ml 425°F = 220°C 15fl oz or ¾ pint = 425ml 450°F = 230°C 1 pint = 570ml Miscellaneous cheap household goods, (china, hardware, garden furniture, curtains etc.) SOLDOGA at 115 avenue Samuel Champlain at Gua, just after Saujon, 05.46.22.85.11 Medical Insurance For information on the French state medical insurance, the English speaking contact line for information is 08.20.90.42.12 and the web site is www.amelie.fr Miscellaneous Questions The magazine, "French Property News", offers a free 'Question and Answer' service from their office at 6 Burgess Mews, ANGLOINFO at www.angloinfo.com is another excellent source of information. Money transfer The quickest, cheapest and most efficient way to transfer money to another bank account is by using the IBAN (international standard for numbering bank accounts number) and the BIC or SWIFT number (bank identification code)...provide the IBAN/BIC/SWIFT details to your banker and the bank will take care of the transfer. Although the transfer is electronic and should be 'immediate', allow up to 5 days. Sending cheques is not a good way because of the delay in clearing which can be very long and costly. If the recipient does not have a bank account then the best way is to use La Poste ('the Post Office')...take the cash to the Post Office and fill out a form for a 'mandat ordinaire international' and this will allow the money to be electronically transferred to the Post Office of your choice. The maximum daily limit is €3,500 and the service is available in 150 countries and it can take up to 15 days. The quickest but most expensive way is through private specialist companies such as
Mortgage tax credits A tax credit was introduced to the benefit of those who bought a house with a mortgage following the election of May 2007. In the first year after buying a home taxpayers will be able to deduct 40% of interest payments on a mortgage loan from their tax bill and 20% in the following 4 years.
MOT The MOT in Motor Vehicle Accidents The standard of driving in If you are involved in an MVA in France and if it is obvious where fault lies the drivers can agree on liability/fault, and complete a “Constat à l'Amiable” setting out the generally agreed facts. French drivers usually carry this form and it basically sets out each driver's view of the accident. On one side driver #1 places his details and on the other driver #2 , and on each side are boxes numbered 1 to 17 where a driver can tick to indicate the cause of the accident. Often at the time of the accident the driver 'at fault' is prepared to 'admit' it and so in a straightforward incident it can be very useful. You don’t have to complete this form, but in most cases you should and you can complete it in English…make sure that all the appropriate areas are completed and don’t leave room that would allow anything to be added later. At this time you should check out the other driver’s licence with the address and insurance, (there should be a decal on the widscreen showing that the car is properly insured, and if it is more than 4 years old, that it has passed the Contrôle Technique, or "MOT"), and take the details of the car’s licence number and general description, and if you have a camera then photographs can be helpful. If there are any witnesses take their details too. Then you attend at the police station to file the report and contact the agent who insured the other driver and give the necessary detail. If your French is not too good then you should have an interpreter such as Andrew Harrison on 05.46.96.44.11 (see "Bilingual Help and Advice" above). If liability is straight forward and there is not any injury to you or your passengers then contacting the police and the other driver's insurance agency should be enough however if liability is or becomes an issue and/or anyone is injured then you should contact a lawyer and for this I recommend Jean-Paul BIAIS in Saintes or Blake-Lapthorn in the UK...see"Legal advice" above.
Before you leave the UK it is a good idea to discuss this issue with your insurer and whether it will take any part in acting for you if you have an accident and advance any claim you may have if you need any help. If it does not provide such help then you may want to consider taking extra insurance, and contacting an insurance company such as AXA which operates in the UK and France. It would also be a good idea to join the AA or RAC as they would be able to help you to take the necessary steps to protectt yourself beforehand. Contact your insurance company as soon as you can and follow their instructions. When driving in You and your passengers should always wear seatbelts, and the driver should not use a mobile phone in the car. Children under the age of 10 cannot ride in the front seat unless the vehicle has no back seat. Speed limits are generally obeyed, and I take delight in seeing a line of cars entering a village with the tail lights of each car lighting as the cars slow down. Even if there is no signposted speed limit as you enter a village, reduce your speed to 50km (or below as conditions dictate!)…and regarding “speed traps” the French government makes public the location of fixed radar cameras, and each is clearly signposted before you fall under their spell, as the whole point is to make traffic travel at a safe speed, not to collect money. A little more difficult are the random ‘hand held’ radar guns as there is no warning. I have only seen these in villages and not on the open highway, and if someone is prepared to drive through a village at more than 50km per hour then they deserve all they get! Notaires Each property conveyed in To find English speaking Notaires in you area go to www.notaires.fr and click on the Union Jack then “Find a Notaire” and then enter “English” and your département number and you will be provided with a list of English speaking Notaires in your area.
For this area I recommend Jean-Paul BIAIS of 4 rue Bois d'Amour, (just off the main street) Saintes, 05.46.74.36.86 About half of the Notaire’s work involves real estate and the rest involves dealing with credit related instruments, family instruments/deeds of succession, real estate negotiation, company law, consulting, appraisal and estate planning. Specifically Notaires can help in the following areas: FAMILY Marriage Civil solidarity pacts (see CIVIL PACS abobe) Gifts between spouses Inheritance Joint ownership Divorce Adoption PROPERTY Purchasing/selling Letting and renting Home inspection Funding ESTATES Organizing your estate Transferring your estate BUSINESS Starting a business Exempting homes from seizure Marital regimes for business owners Commercial leases Rural leases Agricultural businesses Oil for the central heating M. Verdon at Oil Verdon, 2 rue Marronniers (across from the Renault garage), Brie-sous-Mortagne, 05.46.94.12.03
Optician Les Opticians Mutualistes at the Carrefour shopping centre is excellent, gives astonishing after-sales service, and 'Inglisch is spoken'! The telephone number is 05.46.97.02.07. To find the Carrefour shopping centre, if you drive to Saintes on the D6 you come to the ring road with the aeroplane parked at the roundabout and take the exit along the ring road in the direction of the A10 motorway but go past the A10 exit, to the last roundabout, a few hundred yards, and take the exit to the right to "Centre Ville" and follow this road past the next small roundabout, and the Carrefour shopping centre is seen on the left a couple of hundred yards further on (although you access the shopping centre by driving to the access road on the right of the main road and going under the main road). Please see "Eye Examinations" above. Painter and decorator I have received a good report on an English p&d, Danny Chandler, of 11 rue Charles de Gaulle, Pons, 05.46.90.56.37, dannychandler@wanadoo.fr Pet Emergencies 05.46.90.81.01
Pet Insurance This is available for cats and dogs through SantéVet at www.santevet.com, or 0.825.881.192, or ...see VETS below Pet Passports These are dealt with by the Animal Health and Welfare section of DEFRA at www.defra.gov.uk 5 is the maxium number of dogs or cats you can bring to Other small mammals such as rodents (hamsters, guinea pigs, mice) do not need passports but must be declared when you cross into Birds may be brought to Horses also need valid passports in addition to an export licence and a health certificate. By contacting the DEFRA website you will find the current information about Pet Passports. Pet Rescue and lost cats and dogs On of the best aspects of living in the country in France is walking with a puppy, and the SPA in Saintes is a great source for a puppy at Refuge du Bois-Rulaud, Route de Varzay, 17100 Saintes, 05.46.93.47.65. (see SPCA) or see www.spa.asso.fr/3-adoptions-animaux.htm
Pet sitting I have received a good recommendation for Glenys Owen who is prepared to house-sit for you and look after your pets including dogs, cats, horses, sheep, chickens etc. Her numbers are 05.46.24.01.39 or 06.30.78.21.34
Pharmacy/Chemists Chemists are able to offer a wider service than chemists in the UK. They can prescribe for basic ailments too. It is not uncommon to find two chemists in a village and when closed you will find a sign indicating the nearest 'open' chemist..."pharmacie de garde" Gémozac has an excellent piza palace at FLORENTINE, 7 Rue Carnot, Gémozac, just around the corner from the main square...05.46.96.33.30 Planning Permission Your initial contact will be with the mairie for a 'certificate d'urbanisme', which should state the intended purpose of the building you propose and the planned surface area. The certificate is valid for one year only and during this period you must apply for a 'permis de construire', which is a building permit.
From October 2007 the process has been streamlined and the number of planning authorizations required have been reduced from 11 to 3: 1. Permis de construire (building permission) 2. Permis d'aménager (laying out permission...applies to dividing land) 3. Permis de démolir (demolition permission, only applying to significant buildings).
Authorizations for simple building works ('autorisations de travaux simples) will now be dealt with by the mairies...whereas they used to be granted by the DDE...which will make things a lot easier and quicker for everyone.
Plumber
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