u/Torontodude20

Looking for advice. $395k mortgage. 145 months remaining. Conventional. Owner occupied house. GTA. Have negotiated with RBC and they're coming in at 4.04% fixed 3 yr or variable 3.55% prime minus .9% 5 yr variable. TD told me they're willing to pay my transfer costs. Want me to come-in and create a profile with them to begin negotiations.

The offer from RBC seems decent. Thoughts on if it'd be beneficial dealing with TD? Have lots going on with family life and not sure it's worth the hassle for .01% or .02% savings. Is there more room to negotiate? Thanks!

My wife received a call mid-June advising she'd save 30% on her phone bill plus receive a free iPad. She received the phone and was told to return it (to which we now know was a scammer address). Received the iPad today, she asked me to print the label and I caught the scam as I noticed it was going back to a residential address.

It appears the scam is for the scammer to pose as a rogers agent & provide instructions and have the legit rogers acct number order the device, then tell them its the wrong phone and return it to the scammer.

Question: we should be able to return the iPad but we dont have the phone. We are on hook for a 24 month plan ($2000) due to criminality. My wife will call rogers tomorrow. Do you think they'll refund? What's our recourse?