My wife and I completed our first Tax Declaration recently, at least the friendly woman official in the local tax office did it for us, after we supplied our P60s for last year and our DWP pension details. It was pretty painless, yet rather hurried (late afternoon).
I declared my DWP pension which is paid directly into my French bank, and two occupational pensions: one being a Teachers’ Pension, the other being a supplementary teacher’s pension paid by Essex County Council when I retired as an Essex university lecturer. The fonctionnaire declared these two last pensions to be “Pensions gouvernmentes” and I take it that, in France at least, her decision on that is authoritative.
Now in UK these last two pensions attracted tax at the standard rate. Am I right to assume they will continue to be taxed in UK? I’ve read somewhere that the French Finance Ministry will use a Form FD5 to inform UK Excise that I am now liable to French tax, and/or that I need to inform the UK tax authorities that we are now resident in France. How far as these propositions valid?
Can I make a case for the two occupational pensions to be taxed here in France rather than in UK? I have a vague idea that pensions attract a lower tax here in France than in UK. I was 79 last birthday. My wife is 74. She has a DWP pension and a small NHS pension, added together they are below the level at which they would attract tax in UK.
Lastly, shall we be taxed as a married couple (we signed separate declarations although the fonctionnaire confirmed we are married)? Shall we get any kind of written confirmation of our French income tax liabilities before this time next year?
We have no other incomes at all besides our pensions’
If the matter is reasonably straightforward, and on the understanding that any advice is not be taken as authoritative, can anyone help me get my head straight here?
Sorry for being a nincompoop in this area…