u/GasTraining9795

I made the mistake of putting a family member on my property title/mortgage years ago. They have a very small ownership stake, but I make all the payments on the property. We stopped talking a year ago due to some family drama.. I don’t even know where they live anymore.

Our renewal is coming up. Our mortgage is with TD. I heard some banks don’t require signatures from both owners for renewal. What is renewal process with TD if I stick with them?

I am planning to get this situation fixed, but would be helpful knowing my options this time around.

Recently, I drove my dad to his FI to sort out some account issues. Long story short, the in person id verification process was extremely insecure. At one point, my dad wandered off and the associate mistook me for him and okayed everything comparing his ID to me (we look nothing alike given the age difference)

This makes me wonder how secure Wealthsimple’s account recovery is. I was part of the power stream data breach, so all my credentials is out there somewhere.

How effective is Wealthsimples process in stopping social engineer fraud?