Posted by Lorraine George on 10/6/03 11:23pm
Msg #110

Gateway Title Laguna Hills, Ca Branch

Anyone have problems collecting from this company? I'm still waiting on a signing from Feb 24, 03 and unfortunately I did a second one in Aug 03 and neither have been paid. I just faxed them another request for each one of the closings earlier today. I explained I report Non Payment issues to the following-
Notary Rotary Forums, NNA Forums and the American Notary Association. I also explained that I use a collection agency. I found a great deal thru Dunn and Bradstreet who will do the collection for a reasonable price. Then they list the transgressions in their credit bureaus. Cool huh? Gosh, why do companies think they can get away with Non Payment? I work hard for my money!

Reply by Anonymous on 10/7/03 7:08pm
Msg #115

Did they give you a reason as to why they are not paying you?

Reply by eMobileNotary on 10/8/03 5:32pm
Msg #119

Lorraine, as the Collections Specailist for eMobileNotary I'll tell you why they think they can get away without paying you....the attituce with a lot of these escrow company's is that they can get away with not paying an individual notary. I've been told that point blank by an E.O. who works for Gateway in Westlake Village. What is more astonishing is that this E.O. sits on the board of the NNA! And I know the NNA supports notaries going after companies that do not pay. There is a mixed signal in Milt Verala's message to the notarys.

May I suggest that you find out who the County Manager is of that particular office, email the E.O. a few times so that you have a papertrail (always forwarding your original message along with additional emails). Let the E.O. know (after 3 email's) that if you do not get a response via email as to when you can expect payment, you will FORWARD ALL of your email's to their County Manager. This usually gets their attention.

When I collect, I also know that I might be loosing the business for our company, but I also know that I would not want to continue a relationship where our work (and that of our notary's) is not respected. To us, it's worth the gamble.

Good Luck.

Reply by hicat on 10/17/03 7:44am
Msg #132

Re: Re: Gateway Title Laguna Hills, Ca Branch

Dear Collections Specailist:
I was very interested in your answer to Lorraine as I've been having difficulty receiving payment from eMobileNotary for a June 2003 signing. I have emailed 3 times in 3 months to leave a paper trail (as you suggested to Lorraine) without one reply. I have also spoken with your AP person in August who said eMobileNotary had not yet received payment and, hence, I had not yet received payment. It has now been 4 months since this signing took place and I would appreciate your "collections" help. Please contact me immediately for the signing details.
A respected notary.

Reply by Cheryl Elliott on 10/17/03 9:39am
Msg #134

Re: Re: Re: Gateway Title Laguna Hills, Ca Branch

Send them the Hall of Shame Collection Letter. It works every time. GOOD LUCK!

Before sending this to the Secretary of State, Division of Notary, send a copy to your signing service to get their attention. I guarantee you'll have a call straight away.


Addressed to the Secretary of State
cc: LOSER SIGNING SERVICE; CSEO of TITLE COMPANY; COUNTY MANAGER OF TITLE COMPANY
To Whom It May Concern:

The purpose of this fax is to bring to your attention a potential fraud perpetuated against me by a loan signing service based out of Bakersfield, California.

As a Notary Public/Certified Loan Signing Agent in the State of California, I was contacted by ______________ @ LOSER Loan Docs, Inc., (Address, City State and Zip and Telephone/Fax Numbers in February 2003 to complete three re-finance loan signings with Chicago Title (EO Name) , Pleasanton, CA, Ameriquest Mortgage Company (EO Name), Oxnard, CA; and New American Financial/ Newport Real Estate (EO Name), Newport Beach, CA.


The fee to be paid to me for these services was a total of $275.00 (breakdown below).

Lender Borrower File No Fee Due Date Signed



I completed the work as agreed. The signings were completed and based on the signing the loans funded, which I have confirmed with all lenders. It is my understanding that according to federal and state laws, the funds and disbursement of fees scheduled for disbursement must be paid.

To date, after numerous phone calls, and faxes, I have not been paid by LOSER LOAN DOC SERVICE, although LOSER has been paid by the lenders, according to the escrow officers from each of these title companies/lender

I know you are not a collection agency. The purpose of this fax is to satisfy the question raised in my mind after reading numerous messages on a Notary Public message board about LOSER Loan Docs Inc. contracting Notaries Public throughout CA to complete refinance loan document signings and not making payment of fees to their notaries. It would appear to me to minimally be a violation of banking/notary public law within the state they conduct business, a violation of banking law to the title/escrow company which hired them if there were no intention of paying the fee while charging the borrower for the fee. Additionally, there is a possibility of violation of federal laws regarding the interstate use of phones/faxes to contract banking business.

I will, in fact, be turning over to Dun & Bradstreet Small Business Solutions the matter of collection. It is my hope that your agency will check out the legitimacy of this company, and if they are in fact perpetuating any kind of fraud on Notaries Public, and/or borrowers, in the charging of fees without intention of paying fees, that you will take the appropriate action. Meanwhile, I have already begun my own collection efforts through the Santa Barbara County Small Claims Court to collect these sums.

My contact numbers are

Reply by Anonymous on 10/21/03 12:11am
Msg #140

Re: Re: Re: Gateway Title Laguna Hills, Ca Branch

Catherine, I responded to you and as you know we are set to receive payment this week from an E.O. who simply "forgot" to pay our invoice.

Reply by hicat on 12/4/03 2:00pm
Msg #350

Re: Re: eMobileNotary.com !!!!

Just a follow-up on my 10/17/03 message ... after more emails, telephone calls and a certified letter of complaint, I have still not received payment for a June 5, 2003 signing. See previous message reply from Anonymous dated 10/21/03; this is typical of the run around I have received from their Forensic Accounting and Collections officer. Beware of any policy to pay the notary after the signing company has been paid ~ what an open opportunity for non-payment! Also, BEWARE OF eMobileNotary.com!

Reply by teri on 12/7/03 6:10pm
Msg #384

Re: Re: eMobileNotary.com !!!!

If it makes you feel better I have not been paid for 10 signings (some edocs ) for over $700 from May/June 2002!. I have filed a civil suit. Since I NEVER was paid by this company for ANY signings...my lawyer in Washington state indicates that I might have a case since I never tacitly agreed to the contract...I don't care at this point if I see a dime...I just want them to stop taking advantage of people....who are so hungry for work....I've also gone through the BBB, my state Attorney Generals' Office, D&B collections...and I am at this point....It is not my high priority but I never let it go

Reply by emobilenotary on 12/7/03 9:10pm
Msg #385

Re: Re: eMobileNotary.com !!!!

Teri, if you remember we kept you abreast of everything that occurred with First National Title, who's owner embezzeled 6 million dollars. Again, if you remember we gave you the number of the Washington D.C. offices of the FBI, so you could reconfirm what was told to us. As we informed ALL of the notary's that this affected, the FBI froze the assets of FNT, who had hired us to do the signings. The FBI was not allowing any money to leave accounts of FNT. It's not always as simple as people want to lead other's to believe.

I understand Teri's anger. As a company we lost $25,000 with this account. We, as a company, did the responsible thing and hired an attorney, filed the appropriate paper work in case they filed a BK, and kept our notary's apprised of the situation. We also explained, that we would not be the first in line to collect. FNT defrauded their borrower's. Borrower's were left with 2 mortgages to pay...and their banks (old mortgage and new mortgage) were going after the borrower's for payments. FNT went after low income and C and D paper borrower's. These borrower's were desperate for a loan. It was a horrible experience.

But the bottom line in this business, no matter what level you are, is there is an inherent risk. As we advised the notary's, the best thing to do was to claim the signings as a loss on their taxes. That is what we had to do as a company. We will not see the money. The FBI has recovered very little from the owner. They arrested him as he was leaving the country out of the Miami-Dade airport.

We are only a very small part of the casuality that this man left behind. Borrower's have lost their homes, employees, their jobs. Of couse we wish it differently. We fight everyday for payments, when you'd think it not neccessary. It's amazing how many escrow companies "forget" to pay an invoice. And as bad as it is to receive payment anywhere from 2 to 8 months in arrears, the bottom line is we will get it, unless it's a situation such as FNT. We are dedicated to tracking down money.

If there is one thing I'd like notary's to know it is that we've run our business the exact same for 11 years. Once payment is received, we immediately process and get commission statements and checks to the notarys. If we did not operate that way, we would find ourselves in a position like KMC.

I wish Terri luck. She's a very good notary and was always willing and able to do a signing. I wish the circumstances were different, but unfortunately, on both sides, there is a cost of doing business that does not always turn out favorably.

Reply by sue on 12/13/03 12:22pm
Msg #422

to emobile

what a crock of crap!!! you contracted with Teri. she didn't contract with your client. you are responsible to the notaries to pay them. your relationship with your client has nothing to do with the relationship between you and the notary. what other business in this country will attempt to not pay their bills because they haven't been paid by their customers.

I only did one job for emobile several years ago and when I had to threaten suit to be paid Tom called me - after ignoring faxes and phone calls for several months. he was the most obnoxious man I have ever spoken to in my life. needless to say, every time thereafter your company called (and it was quite a few) I explained in the sweetest voice possible what I thought of your company and that I would never, ever work for you again. finally, the calls stopped. hopefully, you will be run out of business and your calls to everyone will be stopped.

you pay the subcontractors, not your client. we don't care about borrowers being in foreclosure. we don't care about the FBI freezing someone's accounts. we don't care about any of that because that's not our problem. if enough notaries would have stepped up to the plate as Teri did and made your company uphold their legal obligations, you would not be in business. unfortunately, most notaries won't pursue the matter because 'it's only $50' for them. lucky for you.

you hire the notary, you pay the notary. everything else happening in the world doesn't matter.

Reply by Barbs_MO on 12/14/03 11:01pm
Msg #430

Re: to emobile

You go girl! Sue, did you send that to them, or hoping they will read it hear? If you call a plumber out to fix your toilet, and he comes out, and then later on you find you won't get child support or you bounced a check at the bank- does that mean the plumber doesn't get paid. They take notaries for granted, and its not like we can get our signatures or time back off the paper!

Reply by sue on 12/17/03 5:38pm
Msg #453

Re: to emobile

Barb, I just posted it here since they apparently read this board. but, note no reply because they know in the grand scheme of the business world they are wrong. no other business works their way - if they don't get paid their subs don't get paid. wonder why they didn't pay the phone company that month and tell them tough luck?

Reply by Cheryl Elliott on 12/8/03 1:23pm
Msg #387

Re: Re: eMobileNotary.com !!!!

I just spoke with a very nice lady in Humboldt County who worked for Emobilenotary.com and was never paid for her work for emobilenotary.com last year. She's a paralegal and does great work for many lenders and title/escrow directly. Not only was she never paid for her work, but the owners of the company verbally berated her and laughed at her when she called to find out when she'd get paid. You only need to get burned like this once, and you figure out how to screen out services like these.

Teri, District Attorney's offices will investigate major white collar crimes. Keep you ear to the ground on companies like these.

Reply by eMobileNotary on 12/8/03 7:30pm
Msg #395

Re: Re: eMobileNotary.com !!!!

The white collar crime perpetuated was by FNT not eMobilenotary. What is interesting, is if Teri did this signing directly for FNT, she would still find herself not being paid. As for the very nice lady in Humboldt County, I would love to know the circumstance. I will guarantee that there is a story behind her complaint; there normally is. And if you are kind enough to phone me directly with that information, I will give you any information that is behind this "non-payment". We do not hide anything. Our toll free number is listed on our website.

Please keep in mind, every single day my job is to go after escrow and lender's who are not paying their bills. I also keep our notary's updated on collection procedures. Along with this, I receive phone calls and email's from notary's who say they've not been paid.

When our records indicate otherwise, I ask if they've reviewed their commission statements. They always say they have and that we are in error. Of course, when I then take the time away from collections to do their accounting, I've found they INDEED were paid and provide them with check numbers, dates, etc. It amazes me how they laugh off their mistake. These notary's are ready to finger point until they've made a mistake. I agree that we are all human, but it does go both ways.

Again Cheryl, please follow up with me regarding the nice notary in Humboldt. eMobilenotary has absolutely nothing to hide.

Renee

Reply by Stephanie Santiago on 12/15/03 5:06pm
Msg #435

Re: Re: eMobileNotary.com !!!!

Why did you let the amount owed to you reach $700?
Especially since you have NEVER been paid for any signings?

I'm just curious; I generally try out a company to see what their standards are for work & payment - if I am uncomfortable with payment issues, I address it before taking on more work.

Reply by Jim Coffey on 12/18/03 9:00am
Msg #456

We can help you. We are a signing agency with a collection division to help signing agents everywhere.

reply to [e-mail address]

Reply by Tina_MA on 12/18/03 10:01pm
Msg #458

Jim Coffey -- Collections

Mr. Coffey,

Could you please share the following info:
1. your business name, address, and phone number
2. what your collections percentage is (i.e. 1/4, 1/3, etc.)
3. how long has your business been in collections
4. what is your personal experience with collections
5. do you have an attorney on retainer
6. do you file small claims suits

Thank you.