Foreign Perspectives

Foreign Perspectives
Travel, expat life and foreign politics. As featured on TV and seen on Reuters.

How safe is it to quote your bank account details to strangers?

February 22nd, 2007

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Many of the B&B and particularly gite owners accept payments by bank transfer to their account. What amazes me is that they never consider that it’s something of a risk to give your bank account details to a complete stranger and even more so when it’s a series of complete strangers.

If you think about this for a while you’ll realise that your bank account details are printed on your cheques but that’s not quite the same as you give cheques to people or organisations that you know. There is a safe way to do this though. Just quote a savings account number and, if you’re really paranoid about it, open a savings account in a bank that you don’t normally deal with.

Every time that I raise this issue, someone quotes their bank manager as having said that it’s perfectly safe to hand out your details in this way and that it’s impossible to take money out using only those details. Haven’t these people even heard of direct debits? After all, a direct debit uses exactly the same information as you quote to receive money. Now, I’m not suggesting that a fraudster is going to set up a direct debit and then withdraw money from your account using it but there are a number of very similar ways to do that. For example, if you care to give me YOUR bank details, I could set up a one-off transfer by simply looking up the address of your bank and faxing them the instructions to do that. You might think that wouldn’t work as they check the signatures, but actually they only check a small percentage of the signatures so it almost certainly would work.

Then people say that it must be safe because the electicity company quotes their details for payments so how come someone hasn’t cleaned them out by now? They haven’t because they quote the number of their collection account and collection accounts reject electronic withdrawals.

Since a small business doesn’t have the option of a collection account the safest thing to do is to quote a savings account number as you can’t withdraw money electronically from a savings account.

 

 

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Language and culture: are they inextricably interlinked?

February 21st, 2007

I participated in quite an extended debate on an excellent English language website written by a French expat living in America recently.

Along the way a number of issues were raised which I never really thought a great deal about before and it was interesting to see a French view expressed on many of them. One in particular was their view that you just couldn’t separate language from culture. From a French perspective the two are indivisible: you can’t have French culture without it being in the French language.

In the English speaking world the two are quite separate. India clearly isn’t an Anglo-saxon culture yet they speak English and even Hong-Kong remained very much a Chinese culture even when it was a British colony. Yet, the French would seemingly argue that both India and Hong-Kong are Anglo-Saxon.

Even the French world has examples of the separation these days. France24 put out a full English-language news service yet it is still quite clearly a French channel. Perhaps the most interesting example though is of the TV series Nikita which although based on the French film of the same name was made entirely in English yet still came across as a French series.

The other thing that I found odd was that they seemingly considered all English speakers to be Anglo-Saxon which I suppose is reasonable if you start with the premise that language and culture aren’t separable.

It was also a little strange to come across a group of people from a fairly major language grouping who were so defensive about their language. You’dt from a group speaking very much a minority language, not from speakers of one of the top 15 world languages. For instance, they have a law that says all government services must of be offered in French. OK, it’s France so you would expect them to be in French but why should that require a law?

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Buying a house in France: part 8: visas & immigration: European citizens in established European countries intending to work

February 20th, 2007

We introduced the various terms involved in the area of visas, residence permits and immigration in our last entry. Now it’s time to take you through the simplest of these.The simplest case of immigration to France is where you are a citizen of one of the established European countries and are coming to France to work as either an employee or for yourself. Established European countries are those that have been in the European Union for more than four years; if it’s been in the union for less than four years then transitional arrangements may apply.

This section also applies to you if you are French and if you have dual/multiple nationalities so long as one of those nationalities is European.

If this applies to you and all your family, then you just need to come to France and there are no documentation requirements at all beyond those which a French citizen would need to meet. In practical terms, the French must treat you as though you were French and had always been French. This doesn’t mean that there is no paperwork to be done though! For example, if you up a business then you will need to register that business just as a French person would have to (see our section on employment for more information on this).

Although the heading says “intending to work”, you can also move on the same basis if you are receiving a pension or other income sufficient to support yourself and your family. In practical terms, this means an income of something like 1000‚€ or more per month but that’s largely irrelevant as the French don’t seem to apply this criteria.

If you’re in one of the new European countries for which transitional arrangements apply. In practical terms, so long as you have a job lined up there doesn’t seem to be any distinction between the new and the old European countries.

Fortunately, this section covers 90% or more of the immigrants to France from other European countries. In our next edition, we’ll look at another simple case which covers those who aren’t European but have a European spouse.

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