I have this same problem! I didn't even realise until a few sim days into playing, I checked the stories on the mailbox and even though I disabled move in and move out, sims had been moving in and moving out! So I decided to turn all neighbourhood stories off but they all kept going! Every time I checked the mailbox new things were happing despite me having 'disabled' neighbourhood stories. I can't play my game like this - it sucks! Someone help.
In my game, I wouldn‘t say things are ruined, but I definitely had things happen that the specific families were not allowed to do. For example a family adopted despite not being allowed to (they were allowed to have a baby though), someone died from an accident who shouldn‘t have and a sim in my active household decided to switch careers in her sleep. Also it‘s a bit of a shame that the ordinary deaths by old age aren‘t mentioned on the mailbox.
All settings I have problems with.
