Posted by Anonymous on 3/2/06 7:29pm
Msg #101509

Borrower is a JR, and it says that in the docs.

What to do when the ID says only Borrower without the JR? I did a search here and there is
not much that I can feel comfortable. Can the signature name affidavit take care of this?
Can I have him sign "borrower Jr"and Borrower in the signature name affidvit?
What about my certificate, I think I can not notarize a signature with the "JR" and the
ID has no JR. right?

Thank you for you help guys.

Reply by Ted_MI on 3/2/06 7:47pm
Msg #101513

Hi Anon,

Boy, I had exactly that same sort of situation, and it was just an incredible hassle trying to get it resolved !! The good thing was that I was aware of the situation from the get-go (the borrower told me), so that gave me a little more time to try to resolve it.

Let me also say I don't know whether a resolution of this matter is state-specific or not. By the way, that is one of the problems about posting as anon - that you don't know what state you are dealing with.

I should say this was a big problem for the lender too. Although their policy was to prepare the docs exactly as the borrower applied, they made an exception with respect to the docs that needed to be notarized, and didn't put Jr on those docs.

I think another way of getting around the problem would be to use the phrase "also known as".

Best wishes in this regard.

Reply by Kate/CA on 3/2/06 8:20pm
Msg #101520

You can always use credible witnesses. N/M n/m

Reply by PAW on 3/2/06 10:32pm
Msg #101536

Only in CA (according to some)

Some states allow you to use a form of an AKA statement in the notary certificate, others don't have such strict rules on positive identity that would allow you to be reasonable assured that the person is who they say they are. California, according to some notaries, will allow you to use two credible witnesses. You need to determine what you can do from your state laws, handbook, and colleagues.

Reply by Kate/CA on 3/3/06 12:38am
Msg #101564

Re: Only in CA (according to some)

I checked that he/she was from CA in the message before giving the advise.

Reply by PAW on 3/3/06 7:43am
Msg #101596

Re: Only in CA (according to some)

Just because the "Posted by" line says "of CA", the person may or may not be in CA, that's why I posted my remark to your statement. Your statement may be correct for CA, but not for other states. I personally have had too many Florida notaries try to use two credible witnesses when the name on the docs don't match the ID. Almost every one says they read the information on the message boards. For FL, the use of 2CW is very, very limited. That's all.

Reply by John_NorCal on 3/3/06 9:05am
Msg #101631

Re: Only in CA (according to some) A reasonable assumption>

>>Just because the "Posted by" line says "of CA", the person may or may not be in CA,<<

When Harry made changes to this forum requiring people to register in order to post, I assume he tied the "of ____" to the state given as the state of registration and not to the locality of the isp. Therefore, when the line says a poster is "of" CA or any other state, I would think that is the appropriate state to address relevant responses. Of course people needing advice should be sure that the advice given is appropriate to their situation.

Reply by Joan Bergstrom on 3/2/06 10:52pm
Msg #101544

You should use 2 credible witnesses

Find two neighbors/ friends/business colleagues and make sure the credible witnesses sign your journal and their I.D's are not expired.

Reply by MelissaCT on 3/2/06 10:59pm
Msg #101549

a little OT, but still related

Just my 2 cents here, my husband tried to get SR listed on his driver's license & he had to bring our son's birth certificate with him to DMV to prove that he was a SR. What a PIA that was.

Reply by LisaWI on 3/3/06 9:01am
Msg #101627

Re: To Melissa

I realize this situation was probably more steps than you wanted to take because your husband knows who he is and is not trying to commit any fraud. But I have to agree with the steps the DMV took to make sure he was who he said he was. With our ever growing problem of Identity Theft and Real Estate Fraud, it takes these entities to catch it before it happens. If the tables were turned and you found out someone had stolen his identity because they didnt take the precautions they should have, you would be upset, no???

Ive had my credit card stolen and since then it does not bother me when they ask for ID , because if they had ID the person who had my credit card, they would of caught her faster.

Reply by MelissaCT on 3/3/06 4:25pm
Msg #101794

Re: To Melissa

I agree, Lisa, but some borrowers may not want to go through all that, leading to name on ID being listed differently from name on docs (i.e., without JR/SR).

My dad 'became a JR' when his ex-wife opened several credit card accounts in his name (using variations) and used a PO box address for all bills. He found out when denied for credit and very shortly before the subsequent divorce. -- BTW, if I EVER see her again, I'm knocking her out...He's still trying to clear his name.

I've had several borrowers lately who don't sign their credit cards. They write 'see ID' on the back instead. They think that protects them from fraud/theft.