NIF Nightmare In Portugal - Personal Story
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- Опубликовано: 5 янв 2024
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Retiring to Portugal, for better weather and being near the sea, getting away from the long cold winters. You need a lot of official Portuguese documentation, one is a NIF (Número de Identificação Fiscal), to even apply for a D7 Visa at your local Portuguese consulate, learn from our experience.
A lot of people do retire to a new country for a better or cheaper lifestyle. Just be sure this is what you really want. Learn from our story about trying to live in Portugal and what can go wrong.
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Does the discount apply to the annual rate or the monthly rate? Is the coverage/protection per couple or per person? And do you have to be a NordVPN subscriber to benefit from the discount?
The discount is for the annual plan , it’s per person not couple and No you don’t Ron Cheers 🇨🇦🍻
Thanks for the quick reply. Forgot to say that it was a very informative video and a lesson for all of us "world" travelers.@@ThisIsOurRetirement
A smart person learns from their mistakes, a wise one learns from the mistakes of others. Thank you for the heads up. Most useful information.
Our pleasure!Cheers Ed 🇨🇦☕️🇵🇹🍻
I opened a bank account in Portugal as I was looking to buy a house... I went to the bank to close the account and was told I could not. The bank manager needed permission from 'God knows Who' to close my account. I took the money out but left about 250 euros in the account. The bank employee said they deduct the monthly fees while there's money on the account. Once the money runs out they close the account. It has been two years. They used up the money in fees and began to charge me 'late fees' or interest. I sent emails to no avail. A relative of mine, with my permission, brought the statement and my complaint to the bank... they refused to talk with her, and instructed her I should call the 24 hour automated service... they have not closed the account. I'm not in Portugal and don't know when I'll return in order to resolve this matter...
Small fees are charged monthly. You take all the money out and it closes. What is the problem? Maybe worth understanding how it works?
Thank you for sharing! My parents defected from a war torn country, I was brought up very poor but taught how having a Canadian citizenship is precious. I never want to be a citizen of any other country, I'm grateful to be a Canadian and have no desire to go anywhere else!
Thanks Anne for sharing 🇨🇦☕️
I also grew up poor, have travelled for work a great deal, and came to see how limited the opportunities are in Canada compared to many other countries. I also believe that Canada is in serious decline, possibly in free fall. Too little productivity, not enough wealth creation, but excessive focus on wealth redistribution. Not a formula for building a strong national future. As a result, many people with options are leaving, particularly highly educated young people. Sad, but Canada is now a place to go from. Things change. I live abroad and my adult children are exiting.
I used to be like that till Justin Trudeau's reign of despair and terror.
Agree love being a citizen in Canada however the current government truly scares me
Sorry to hear all the frustrations you both had to go through to get peace of mind, making the right choice is so very important. Thanks for sharing and happy travelling.
This is so incredibly helpful. I have never heard of anything like this before. I have no plans to move out of the country but this is worthwhile knowledge.
Thanks for sharing the info to hopefully help others to avoid the trouble...what a head ache. Happy New Year and safe travels for 2024.
Very helpful and honest report. Thank you for sharing.
Wow, you guys! This is incredibly useful stuff. Thank you for this video. I'm considering moving to France or Spain so I will review all your excellent information before I move any further forward. You're providing a great social service. Keep up the good work. 😊
Our pleasure! hope it helps you it certainly helped us change our minds have a great weekend Cheers 🇵🇹☕️🇨🇦
Thanks for the info Norm and Tina. Its very sad that we have to worry about our security at this time in our lives. It sure pays to be vigilant all the time, especially with our financial information. Its sad but this is reality these days.
Agree David we do have to be careful these days Cheers 🍻🙂
Great helpful information makes me think about certain things. Thanks 😊
Thank you for sharing this story and the cautions everyone should take when considering this.
Oh dear! I’m sorry you guys went through this. I’m glad it’s over. Stay well you two.
Tina and Norm, what an ordeal and process you've gone through. Thank you for sharing all that you experience with your retirement life, the good, the bad, and downright ugly side of our digital lives. Love your content. Thanks so much
D&A
Thanks so much
Thank you for this information. I hear of a lot of retirees that move to another country to save money. You only hear of the good from doing that and this is an example of eye opening experience. Thank you for sharing your personal experience.
You and your channel are nothing short of a Godsend to me. Thank you for the content you cover about the pitfalls and possibilities of living abroad. Your recent video about renting accommodations at a hotel instead of an apartment gave me "permission" to consider that option during the gap between selling my house and leaving for another country. I'm very grateful to you both for your calm demeanor and anti-anxiety approach to life.
Thanks for the information, Tina and Norm. I hope you are keeping well. ❤️🇨🇦
Our pleasure!yes we are thank you Herma 🇨🇦☕️🙂
Thanks a million ! We were looking in to this actualy ! Great advice !! Encore merci !!!
Your very welcome Cheers 🇵🇹🍻☕️🇨🇦
Tricky situation this is. I’m grateful to you for making us aware. Ty!
Thank you for sharing this.
Wow this was one of your most sobering videos! I’m glad you got it all resolved. I was close to getting a NIF, procrastinated, then had second thoughts about Portugal. I’m so happy I hesitated now. 🙏
Thank you for the good advice! I hope everything works for you. Good luck.
Thanks we are happy with our decision to just visit 🇨🇦☕️🇵🇹
Omgeeee 😱😜😬 so sorry you had to go through that big mess. Thanks so much for sharing this information.❤️
Happy new year Norm and Tina and thank you for posting this because I began a process as well for Spain and I realized how expensive it would be to have Expat health insurance with a pre-existing condition which they wouldn’t even want to write the policy and when I started to add up the numbers, I realized That it’s best to stay here in North America and go like you all do and travel versus living abroad. Thank you so much. I feel so much better listening to you both this morning. Be safe and cheers. Love the T-shirts.
Happy New Year 🥳 Anna , we agree better to travel and keep your home base Cheers 🇨🇦☕️🇵🇹
Where you tryed tomget the "Expat Health Insyrance" ? When you ome with a visa to Spain or Portugal you have the right to the public health service but you must have a private insurance that usually is around 100 euro or less,
So much respect for the two of you and now even more for sharing this awful experience and tips on how to correct.
Thank you 🌺🙂
Very helpful and useful information guys. I’m sure many of us have no idea the consequences of deciding to relocate to another country and what personal information you must renounce in order to be compliant. Love your Portugal videos as a yearly visitor myself.
Our pleasure! have a great weekend Cliff Cheers 🇨🇦☕️🇵🇹
Wow that’s so scary! Thanks for sharing!
Minha nossa. Obrigada for all this info, very important 😊
Hi Tina and Norm, thank you again for a very informative video. Wishing you all the best in the New Year.
Our pleasure! 🇨🇦☕️🇵🇹
Based on the info you provided, I am extremely surprised you did not have your identity stolen and credit ruined.
Thank you for sharing your story...appreciate your useful tips and advice ⭐
Glad it was helpful!
You are always so careful thus surprised you went through this. Glad for issue resolved in your favor!
Thank you! 🙂
Thanyou. We are leaving Friday. Hope you are enjoying back in Portugal ❤
Have a great time 🇺🇸☕️🇨🇦
Great video with wonderful advice and thank you for sharing your personal experience. I have been watching videos of North Americans who get residency in Portugal and even buy property in Portugal/Madeira. It is certainly a wonderful place to live but it is also a bold move and a huge commitment.
Having residency/citizenship in multiple countries (and I do) can be a significant challenge if you don't have the right trusty representatives to protect your interests overseas and you lack the language skills.
At least for now I am more comfortable with your model of visiting Portugal (or other affordable places) for the Winter and return home to the US. My wife and I should arrive in Albufeira this week and hope to see you around the Algarve recoding your great videos. 🙂
We feel your frustration!!!! Our generation didn’t have to deal with all the online technical security scam stuff that’s everywhere now. We applaud your decision to think about moving to Portugal even if it didn’t come to fruition. Life is a great adventure!!!!
Thanks a million for this info!
Glad it was helpful! Cheers 🇨🇦☕️🇵🇹
Happy New Year Norm & Tina. Great content as always...!!! Many Thanks
Happy new year!
Hi Tina & Norm, thanks for sharing very useful information. We learned about NIF from a real estate agent on our first trip to Portugal in 2018. On our second trip in 2021, we hired an attorney for purchasing a condo and he arranged our NIF for us. The purchase of Condo did not materialize in Portugal so far, but we used our NIF number for visits to dentist on our longer trip last year. We ended up buying a property in Spain and needed Spanish tax id (NIE) for that as well. The process of buying the condo in Spain required lot of patience and time though.
Thanks for sharing Suleman have a great weekend Cheers ☕️🇨🇦
As an experienced lawyer I definitely have a bias towards using lawyers who have professional designations and who are subject to professional conduct rules , over “agents” who have no comparable professional status or obligations. A lawyer would not have able able to retain or share your personal information without your express consent. If you felt that your rights were violated by a lawyer, there are remedies available such as reporting them to the law society. Sometimes the cheaper option is not the best option.
It wasn’t the cheaper option , it was the only option doing from Canada 🇨🇦 online and not being in person in Portugal 🇵🇹 Cheers 🍻🙂
Thank you and love you guys
Grateful for your informative video you two are the best.
Our pleasure! 🇨🇦☕️🇵🇹
Wow, great information! Thank you and I am glad you shared it all! Funny, I keep thinking about moving to Portugal.
You are so welcome! enjoy your weekend Jodie 🇺🇸☕️🇨🇦🇵🇹
Thanks for the information.
This was great, thank you!
You're so welcome! Cheers Sherri 🇨🇦☕️🇵🇹
Good to know, glad to learn about incogni. It is so disheartening to know how few people and businesses we can trust. Scary.
Gosh, sorry to hear about this. Thank you for the very useful information.
Glad it was helpful! 🙂
You have provided such valuable information! I'm in the USA. To listen to our media and many youTube videos, one would think this is an awful place. For some silly reason, many people believe that they can just move to a different country, failing to realize that the other country might not want them and that there is way more to the process than just packing your stuff. Thank you for telling others of your experience. The grass is not always greener on the other side of the fence; as Erma Bombeck said, "The grass is always greener over the septic tank."
Very true 🇨🇦☕️🇵🇹
Thanks for this awesome advice
Our pleasure! Have a great weekend Anna 🇵🇹☕️🇨🇦
Thanks for sharing the story
Thanks for listening Cheers ☕️🙂
Thank you very much for information.
You are welcome Helen have a great weekend Cheers 🇨🇦☕️🇵🇹
Very informative video Tina and Norm. We have friends that were considering a move to Portugal from the U.S. but health issues have caused them to stay put for now. I will pass this video along to them should they want to reconsider. 🇨🇦🇺🇸
Health and Happiness to you lovely two in 2024 and thanks for the education - crikey
Thanks for that! It just goes to show how careful we have to be!
Yes it does , you just really need to be sure it’s what you want think it through a lot more Cheers 🇨🇦☕️🇵🇹
Such a scary online world these days! We need to be so careful. Thanks for the lesson.
Your story will help many... thankyou & hope you come back to Colo sometime:) Love your adventures..
Your welcome Colleen Cheers 🇨🇦☕️🇵🇹
The grass always seems greener on the other side! You have a wonderful setup in a rent-controlled beautiful apartment with many people you've made friends with. People in the US would love to have the ability to have a rent-controlled apartment but in the US they are few and far between. Plus, Canada is such a wonderful country. Yes, it gets cold in the winter, so just vacation in a warm locale just as you've been doing. Sorry you had so much trouble, the scam artist are just out there waiting for us to make one slip-up.
Thank you ☕️🇺🇸🇨🇦🇵🇹
Sometimes the grass is actually greener on the other side, sometimes much greener ! The important thing is to go have a good look, investigate, and then act accordingly if it is greener and better. Unsaid but extremely important is, it takes courage to move, aside from the colour of the grass!
Love you guys!!!🎉🎉❤❤
Thank you 🇵🇹🍷☕️🇨🇦
Thank you for this video....we learn everyday...good and bad
You're welcome Auriel ☕️🙂
Thanks for sharing. that was eye opening.
Glad it was helpful!🙂
I decided to move to Europe and retire there... 35 years ago when I was only 27! Now 63 and looking forward to a well funded retirement in the middle of Europe... Switzerland.
Sounds great guess that’s what we did when we came to Canada Cheers 🇨🇭🙂 🇨🇦☕️🇵🇹
Good choice. We retired to Switzerland six years ago and have not regretted it for one second.
There is no place better then Canada....
@@ThisIsOurRetirement
How do you retire there with no work permit or EU citizenship? Thought you could only stay for 3months at a time…
My wife and I were both born in Europe. However as I read the regulations if you don’t work and have enough money to support yourself, including health insurance, that isn’t a requirement.
I am sorry to hear you have been scammed. As far as I can make out, this company who arranged your NIF are not the Portuguese tax office. I applied for my NIF in person at the Finanças office in Albufeira, and it took about 20 minutes, and if I paid anything, it was so miniscule I don't even remember what it was, and I never had to pay anything afterwards. You should not need to pay anything to the Portuguese Tax department to maintain it. The NIF is for life, but if you are not a Portuguese tax resident, it means nothing, and has no obligations. I don't know enough about this operation you paid, but I would simply cease paying them. I am almost certain they are nothing to do with the Portuguese Tax office. They are just exploiting people who think the NIF is complicated when in fact it isn't. I really hope you get it fixed. You could try going to the Finanças office in Albufeira when you are next there. They speak English, and I found them very helpful. Go at the time they open and there will probably be no queue. Repartição de Finanças de Albufeira, 184, R. das Telecomunicações 2, Albufeira . There is a free public car park just across the road. I think they will help.
Thanks for all your helpful advice, the thing is things changed a lot since 2020 and getting appointments now takes months also we were not able to come in person like what you were able to do . You can’t stop paying them they just do it every year unless you are able to have them removed as your financial representatives which we have now done after a year . Cheers 🇨🇦☕️🇵🇹
@@ThisIsOurRetirement OK. Regarding going to Financas, you don't need an appointment. You can just go, any time, but first thing is usually quiet with no queue. I realise you are in Canada and so do not come as often.... especially during the pandemic years where it was impossible. However this outfit are a commercial operation and they have literally stolen money from you, because getting a NIF is a one-off few minutes job, and if they have taken money year after year. That is theft. Glad you have stopped it now, but I would also try a charge-back through the bank (if you have not already) because it doesn't sound as though you knew you were signing up for an indefinite charge. It's a con. It's terrible. I have seen so many of these sort of companies trying to 'skim' potential migrants both when I emigrated to Australia and in making my arrangements to live in Portugal which may start later this year. Anyway, enjoy your next trip to Portugal. It's all as delightful as ever.
@@ThisIsOurRetirement i think you guys have been scammed for sure.... @mrgman2804 is correct... it's not that they are charging you to maintain your nif, there is no such thing as maintaining as NIF... that must be the company itself charging you a bogus charge. I would mostly be worried they are using your private information and asking you weird things such as your passport as you mentioned in your video.
I would definitely charge back the amount they've charged you if it hasn't been 6 months since the charge. That is the point of a credit card. When a company charges you something that you don't agree with you charge back.
I am further along the immigration process into Portugal than you folks got and asked my lawyer about maintaining a NIF and he said he has never heard of such a thing.
The payment was to maintain the services of a financial representative to deal with the tax authorities.
@@ThisIsOurRetirement I get what the payment is for, but the point is that you only wanted to initially open a NIF and not actually have them as your tax representative until a later date that you want to move there I would imagine. At least that is what I did.
I love you both! Happy Saturday!
Thank you Melissa 💕
Seem like a genuine couple, thanks for the commentary
Our pleasure! have a great weekend Doug Cheers 🇨🇦☕️🇵🇹
Thanks for such a great video! Portugal is creating some push back from all of the digital nomads & people retiring there. I've watched some videos on new taxes to be levied for retired people there that is going to make it a far less desirable place to move to.
Thanks for sharing! Can save others from the same experience!
Absolutely! thanks for watching guys 🇺🇸☕️🇨🇦
Very scary story!! Personally speaking, I love to travel but would NEVER give up my US citizenship. Wishing you all the best. Happy New Year🎉
Happy new Year 🥳 we are staying in Canada 🇨🇦 and just visiting Portugal 🇵🇹 now ☕️🇨🇦🇵🇹
Great video and thank you so much for sharing this invaluable info! In the last couple years I've been looking at Portugal. However as with everywhere else it seems things are changing. I know for example Portugal has recently removed their "Golden Visa". Now after living in Colombia the last 2 years I've just recently returned to my rainy Vancouver island where I will stew for the rest of the winter and ponder the next destination.
Cheers ;))
Best of luck! have a great weekend Cheers 🇨🇦☕️🇵🇹
Sage advice as ever!
Good advice as usual. My husband looked into getting our Italian Citizenship but you literally have to give your family history tree to do so. I don't think it's worth it. A Canadian passport is just fine for our purposes. We agree that renting is the way to go, this way you aren't stuck in one place.
Thanks for sharing!! we agree have a great weekend Cheers 🇨🇦☕️🇵🇹
Sorry, I think Tina and Norm just wanted a D7 visa, to get residency, not to get another passport.
And it seems fair to me that to obtain Italian nationality you have to provide your family tree to prove that you have Italian ancestors.
@@Maria-js9ou yes i understood the difference. Thanks
👌66K subscribers, now that is worth celebrating. 🍾🥂! Great start to 2024. We have fallen down a long dark tunnel as a species since phone books on every corner with a telephone cell and names on letterboxes and gates. I am actually quite shocked at the amount of information you were required to provide. I'm by nature a trusting person - face to face. Online less so. I'm glad you've highlighted these pitfalls. We have a saying in Dutch ( and I am sure every language will have one) A warned person counts for two! Have a great week ahead. 🇳🇱🙋♀🇳🇿☕🥞
Thanks so much Anita we are thrilled and yes a wonderful start to the new year , we hope you are staying well and have a wonderful weekend Cheers 🇳🇱☕️🥳🙂🇨🇦
Great info , yes one has to be very careful and really do their homework before starting a process like this, but you never know , even when I was buying tickets to go to Portugal first me and my granddaughter was going toPoland and then a month later to Portugal we had to buy the tickets separately we were able to get them no problem in English but then the confirmation was in Portuguese the same goes for the train tickets from Lisbon to Albufeira so that is little tricky if you don’t know the language except for the dates and times your able to figure out everything is okay .👍
Hi, how are you both today? Love the Jimi t-shirt, I recently learned we lived in the same neighbourhood, including his Grandma's and the shop where he got his first guitar. May walk around there next time I'm in BC.
That is awesome! have a great weekend Cheers 🇵🇹☕️🇨🇦
Hi Tina and Norm,
I’m sorry you went through all that and I hope it didn’t put you off Portugal. People have all sorts of bad experiences here too 🇨🇦
Fortunately, I know a few different Canadians who’ve moved to Portugal and had great experiences, even with the dreaded SEF!
You already know it’s what I want (still) and I’m kicking myself for not moving prior to 2023… as I’m only 60 and not ready to retire and now they want 4 times the D7 income for the new visa.
The visa’s continue to change and become less attractive and also the tax situation, five years ago would have been the perfect time to come here.
So sorry that this has happened to you!
Just one minor correction... the Portuguese NIF is a tax number, NOT a social insurance number. A Portugal social insurance number is a separate number very similar to the U.S. Social Security number.
GREAT, warning. I was not aware of the NFS thing in Portugal. Thank you too for shining a spotlight on the digital mining.
Our pleasure! have a great weekend Ben Cheers 🇨🇦☕️🇵🇹
Wow - thanks so much for this information. Quite frightening. I think we will stay here and just rent when we need to get away.🙂
Glad it was helpful! we will also keep renting Jo Cheers 🇨🇦☕️🍷🇵🇹
I like your channel so I am now a subscriber. Glad that both of you are on the same page when it comes to this retirement adventure. Even if I want to try, I don't know how to get my husband on board. We also have been traveling but not the way you do. Your style seems exciting. Maybe someday, my husband will have a change of heart and would agree to have our house rented so we can continuously travel. Good luck to you both and God bless.
Thank you for subscribing we really appreciate your support. Maybe having a Frank discussion on what you both want out of retirement. We going forward are limiting our trip length to a maximum of 30 days. Good luck to you both.
@@ThisIsOurRetirement Thank you for the advice and feedback. Wish you both, lots of wonderful travel memories.
What were you both thinking? How daft is that, thank God you both come to your senses. Stay focused and healthy.
Hi,how are you? Is so lovely to see you again.
I had something long time ago some insurance against Identity thieft,I pay monthly fee,and in case some scam,the layers would be available for no additional cost.
I had heard that the bureaucratic requirements around getting residency in Portugal were pretty significant but this adds yet another layer of which I was unaware.
I'm working on getting my German citizenship so I can retire there for a while. You brought up some good points to think about, thank you.
Your welcome 🙂☕️
Thanks for another really useful video. These are things I have never considered. When filling in online forms, it always makes me a little nervous when they want an address, phone number, and birth date. One path might be to make my identity one that no one would want to have 🤔🤔🤔🤣
You're very welcome! 🇨🇦☕️🇵🇹
Good info 👍👍✌️
Thanks ✌️
Hi Tina and Norm, very valuable information. Sorry you experienced such misleading information from those con artists. I would of change my credit card number and disputed any charges from that organization. Look forward to meeting you both in Albulfeira. I contacted you last week via email.
Hi Norm and Tin. I have been a follower of your channel for a while and enjoy all the subjects you bring in. Me and my wife are Portuguese born and canadian citizens and I would like to help you in case you need any translation from Portuguese to English. Just let me know if you need something and I can give you my help. Keep up your excellent work. Cheers!
That is awesome! thank you ☕️🙂
Listening to this makes me more than ever want to stay close to home. Live simply. And enjoy our retirement in our own country IF we choose to travel. My goal is to use the internet less and less. I absolutely refuse to "create an account here" or "sign up here" loyalty cards included. Maybe some may think that we have a boring retirement but its all what we make it. Anyway thsnks for sharing your experience. What changed your mind about moving?
Lots of reasons Irene but like you having our home base in Canada 🇨🇦 gives us a great safe feeling and we love travelling in Canada too Cheers 🇨🇦☕️🇵🇹
Huge information that you’ve lovingly shared with us! WOW! What a scam. So sorry you had to deal with this. Thank you for saving ME the heartache! Love you both!
You are so welcome! Cheers Lisa 🇨🇦☕️🇵🇹
We did not know Norm is the wild child.... He does not look like it......I learn so much ....I hope i remember the lessons since i am not good at implementing them ( really forgetful)
I really appreciate hearing about this experience. Can you please share more about why you chose not to move to Portugal? There are so many Canadians leaving for Europe or South America, I’m curious about your experience with potentially becoming an expat. Thank you 😊
There are many reasons why we have chosen not to go , for us we will have a home base in Canada 🇨🇦 and just visit you really need to think very hard to do this in retirement Patrizia Cheers 🇨🇦☕️🙂
I have evolved from wanting to own a house in France, or Italy to preferring to just stay the 90 days and move on. I could change my mind in the future, but for now I’ve found that it’s possible to buy a camping van by setting up a company and then I just have to drive out of the Schengen every 90 days, or park it and leave for my 90 days out.
I believe you can get the Italian tax ID at a consulate before leaving home without any lawyers. I haven’t spent any time on the French version yet.
Since Portugal has changed some rulings / rumours of pending changes one can only assume many people will be left with partial completed applications thus leaving a lot of personal data in the Portugese systems when they decide not to follow through with the application. These days so many places - companies or Govt depts - are hacked and your data stolen then sold on that it becomes a continuous battle to keep control.
The Minster of Health in Portugal has expressed concerns regarding the increase in admissions to intensive care and called on the Portuguese and visitors to get vaccinated against the flu and Covid-19 and to stay away from crowds, wear masks and wash hands frequently. It is a grave situation for all concerned during this winter season in Portugal. Stay safe Tina and Norm.
Thanks Jeff, the flu does seem rampant here in Tavira, thanks for sharing this.
Hi Tina, I am in central California and I really like.your videos. I saw a truck with "Hire a Husband" printed on the side. You could do this with Norm! I could sure use the internet your husband has for Portugal :)
That is too funny Mariann ! have a great weekend Cheers 🇺🇸☕️🇨🇦
Good advice. Pretty serious stuff when you start handing out your passport number and drivers license number online.
It’s a step you have to do if you want to get your number , we all give our passport numbers on line when you book a flight ✈️
So sorry to hear of your experience. Personally I do not even trust VPNs!!! And I never ever "advertise" my life on social media..link a lot of people seem to like...
I'm in the UK , Incogni has a 50% discount on their site anyway. So I can confirm you will save £15 ish overall by signing up from here. I find it a bit ironic though that Incogni also has the dreaded cookies acceptance form. I'd gladly sign up to any service that would do away with those bloody misleading tricky cookie forms.
Maybe you should have hired lawyers instead of an agency? It would be more expensive, but at least lawyers are bound by confidentiality standards. In the EU, we have statutory protection of personal data (GDPR), lawyers would probably operate within its framework.
Good point
So sorry you have had all this stress. This video left me a little confused. Were you actually considering leaving Canada altogether and becoming a full time resident of Portugal? Does a D7 visa give you access to health care, etc in Portugal? If so, it’s no wonder they would want you to pay taxes. Personally, I think at our age, it’s wise to keep Canada as a base and spend a few months of the winter in a warmer climate. I would hate to have to navigate an unfamiliar health care system if and when things go sideways - and they will eventually.
I joined Incogni in the UK about a year ago.
Wonderful we are glad we are using it now too 🇬🇧☕️🇨🇦