I would like to post a warning to anyone who has been as stupid as myself. We all take out our house insurance etc. I know we had the insurance agent at the house and he went all over the property and anyway he knew us personally as he lived in the same village. He gave us his advice on how to insure the property, responsibility civil etc. and we took it at face value. His wasn't the cheapest quote by a long way, however, we thought we were being well looked after and decided to go with the person we knew anyway. We have paid out insurance ever since for over 10 years. We did have one claim after the big storm some years back when we had minor roof and shutter damage and it all went pretty well but it was only a pretty small amount. We had the misfortune to suffer a house fire this year which has devastated us. 15 years of restoration gone up in smoke in 35 minutes. Obviously we were pretty seriously in shock and stupor following this and were pretty grateful when the insurance turned up a few days later to "sort it out" We got all the promises. We had had a firm turn up at the house the day after the fire asking us to take them as our personal expert to protect out interests. We were assured this was normal and was included in our insurance policy and would not cost us anything so we thought why not have our own advice. Our insurance company went ballistic. They said we had no right to do this we were not in dispute with them, they would look after us and anyway we would have to pay the fees. They convinced us to cancel with the other firm and assured us all would be okay. I was quite up in the air about it all as almost everyone we met said we should have our own representation.To cut a long story short and this is what I would like to warn people. Most insurance companies include this personal expert representation in the policy although some don't so you must check. I have now been led a dance for six months. I still have holes in my windows and doors, no hot water system and cannot use about 70% of my house.I am suffering now severely from stress and things have descended to a level of me receiving threatening letters from the insurance firm. I have now taken on a firm of my own insurance experts to protect my interests. Although they say there will be problems because they were not brought in straight away this can and will be rectified. They have gonethrough the paperwork I have to date and told me I have seriously underestimated the costs even though the insurance is attempting to cut this further. They have spent an preliminary four hours with me going through and explaining clearly exactly what they do and what the policy means and what the french law states. And here is my point. They maintain that french people find it hard to understand handling sinistres and for a foreigner even one who speaks pretty fluent French it is almost undoable.Apparently it is French law that in the case of a house fire the insurance company has its Expert and the client must have his own Expert and in the case they do not agree a third Expert will be called to mediate. The insurance company are responsible in my case for their Expert and mine and should a third be required half the cost would be theirs and half mine. In bullying me into not using an Expert they have in theory broken the law and they know it.So please if you are unfortunate enough to suffer a fire in your house DO get your own Expert. Do check your policy any expert firm will tell you if you will have to pay or if it is the insurance company and do ask around - for instance I have now found there are only two agree firms in the midi pyrenees who are used by the authorities in the case of public buildings i.e. schools and this would indicate their professionalism - I hope. Don't let your insurance company make you feel you are being greedy and aggressive by doing the right thing. I just hope that this will now be sorted and I was still squirming a bit about it until I received this very nasty letter from the insurance company this morning which has done me a favour in fact as I now know I have done the right thing at last.
Can anyone recommend a reasonably priced, responsible solicitor in the UK? My husband died here in France last year and Phoenix Life requires a Grant of Probate t release pension funds. I have not any problems with others UK firms but they are standing tough on company policy. Location in the SW is preferred as our friends and family tend to live there. A small firm would be preferable since I like to deal with the person not a corporate place where I am paying big bucks for a student to fill out the forms and having somebody else sign them off. Thanks
Hello,I hope someone can point me in the right direction, I am looking for a bank with an english speaking mortgage adviser. In the Gers or Haute Pyrenees would be ideal. After renting in France for a few years I'm now interested in getting a mortgage but doing it all in french is quite daunting, I would prefer to speak to someone with at least a little english to give me some advice/options.Many thanks
He said he would buy it and give us 250 Euro a month, we have seen nothing so we asked for it back and he say it is in Spain and he can not fetch it back because when he was driving the French Police pulled him over and gave him a warning, which would result in a fine of 500-600 euro's can anyone help us with this the trailer it is a box trailer.
Hi, my wife and I moved to France (she is French), with out children and we are buying a house. my work has allowed me to work reduced shift pattern back in the UK.I travel to work for ten shifts a month over two weeks and spend the rest of the time at home. (I do not do any work from home and my job only occurs in the UK)what is the process(es) for me to pay the contribution to the French N.I.? as I will be residing primarily in France and only travelling to the UK for work.is it long and complex or straight forwarddo I need to change any tax code or anything in the UK?any advice is appreciated
Hello, Sorry if post already covered. Have been in France for over a year and have only applied for Caf as was unaware we would be entitled to it. I have just received a allocation number/ membership number. Will CAF automatically back pay me for the year already spent in France or do I need to alert them to this. How long will it take for them to start paying the amounts into our account. Thank you
I bought a coffee machine to make espressos and it only produces black coffee - no creme on top. Can I return it to the supermarket for a full refund or do I have to accept a credit or replacement? I bought it on Friday 4th so only had it 5 days. I'm not sure what the supermarket has to legally offer.
Hi All,I wonder if there's anyone out there who can help me understand what I need to obtain one of these. Our Mum died in the UK 18 months ago having formerly lived in France for 10 years or so, leaving an investment with Credit Agricole of some E60,000 which automatically goes to her four children on her passing. We have so far jumped through numerous hoops, and each time we are told we have done all that is required to liquidate the funds, a new barrier is raised. The latest problem is that the bank needs a "Devolution de Succession" document which has to be produced by a Notaire. What I would like to know is what documents are required to obtain one of these, and can any Notaire raise it. There has been some suggestion that part of the information required to create one of these comes from the registrar of births deaths and marriages in France (or equivalent) and because our Mum died in the UK after returning from her residency in France, there is no such record. Can anyone help? - Thanks in advance.