Posted by Jenny_CA on 8/31/05 2:04am
Msg #62796

Borrower loses his temper....

I am wondering if anyone has ever had a borrower lose his/her temper and displaying his disgust with his interest and his loan officer?

I met with Borrower for 2nd time. In the middle of the signing he could not contain his anger anymore and started yelling and cursing, hitting the table, throwing his chair and knocking two holes into the wall. After he cooled off and after suggesting he clean up his bloody knuckles we continued with the signing. I might have to see him a third time because th LO did not include a Grant Deed, but I really don't want to go back. ( he never directed his anger at me)

Any input/advice??

Reply by calipat on 8/31/05 2:24am
Msg #62798

I would tell whoever sent you out what happened and I would not go back. I don't care if he did not direct any of his anger toward me, I still would not go back. You never know waht will happen next time. If you feel you need to go back out maybe you should tell him to meet you at Starbucks or a fast food place. If I was in your situtation though I would not go back.

Reply by Jenny_CA on 8/31/05 3:05am
Msg #62800

Thank you . BTW I forgot to mention his wife was in the living-room the whole time, we signed in the kitchen. He even asked her for aspirin before his display of anger.

I did mention that I would be pretty busy tomorrow but that if they wanted to meet me at public place close to my house I could try to be available.

Reply by Renee_MI on 8/31/05 5:50am
Msg #62805

this behavior is unacceptable, period. Your sense of obligation is misplaced, IMO, and I hope that doesn't sound harsh, but you did ask. This man has demonstrated to you his potential, his ability, and his decision-making process.

To disregard his behavior is also to imply acceptance.

Reply by LilyMD on 8/31/05 6:47am
Msg #62810

Re: Borrower loses his temper....Just had to reply!

I just had to reply...I once had a borrower so disgusted with his LO's tales and the loan itself that he threw the entire folder of docs (large package) into his wood burning stove! His temper/cussing was so bad. And his wife was just as bad. The TC wanted to know if I could print new docs and try again...Yea...right.

Reply by Barry Silver on 8/31/05 6:53am
Msg #62812

He sounds way to dangerous, asnd who knows what he will hit next time. I would stay clear of this one.

Reply by Charm_AL on 8/31/05 8:30am
Msg #62822

scary! I can't stand confrontation...my Dad had a real temper and I saw it all.
I wouldn't go back unless I could meet him at a McDonald's or something like that for a quick 'sign here' and be gone.

Reply by MABrescia on 8/31/05 9:44am
Msg #62828

How could you stay... omg if i was sitting there and saw that.. i would be gone SO FAST .. I would have been like, well when you get yourself in check, give me a call and I will send out another notary to do this! I would have called the SS/Title company and explained as i was driving away!!!

consider going back? HUH? not enough money in the world to replace my kids mom!

think about that.

Reply by Jenny_CA on 8/31/05 10:08am
Msg #62833

Thank you all, I will be emailing the SS in a few moments. My personality is such, I stay calm during emergencies but do get nervous during business transactions in this case signings.

I didn't flinch when this was happening but do recognize that I am blessed that nothing happened to me. I thanked God in my prayers last night.

Reply by SarahBeth_CA on 8/31/05 10:50am
Msg #62845

I'm sorry Jenny but if the moment came that the borrower got violent that is the time to pack up and leave; you don't know that he won't turn on you. There is no excuse for that behavior. Also please make the ss aware of this mans temper. They need to make sure that the next notary to handle this should be a very large man and the meeting to be at a neutral location.

Reply by Jenny_CA on 8/31/05 11:03am
Msg #62848

You are right SaraBeth, I will suggest a male SA . The Borrower is very distrustful of the LO. I didn't mention that it took me 2 1/2 hours to complete this , partly because I am still new at this and the rest because it was a Spanish speaking borrower. Since he was apprehensive from the first time we met ( this was the second time going to his home), I made sure to point out all the pertinent information.

Reply by BrendaTX on 8/31/05 11:21am
Msg #62859

Loss of temper is a nice way to put it. He's out of control. I have seen that kind of rage and it's very disturbing.

If you don't want to see him, don't go. I would not hesitate to say NO. That's why we work for ourselves.

If you want the job, meet in a public place.

Reply by Jenny_CA on 8/31/05 11:35am
Msg #62865

Re: Brenda....

Thank you Brenda, I was crossing my fingers hoping you would respond to my post for I have read about your negative experiences and let me tell you, you are one tough lady. On the way home I was wondering how you would have handled this and preparing myself for what CaliNotary would say ( I hope I remember his name correctly).

Thank you everyone, it's wonderful to be able to get other people's perspective even when it's not sugar coated. :-)

Reply by BrendaTX on 8/31/05 12:13pm
Msg #62880

Re: Brenda....

Jenny, I don't remember anything that comes close to this one. Actually, you are so calm, I wonder if you are in shock from the experience. Personally, if it were me, I would not be able to look at him again.

In the past, I had something similar happen at a workplace. After a few days, I was outraged that someone would be so immature and show so much threatening behavior in front of me. I was in shock for a few days and could not realize how violent the performance was.

There are many of these cowardly family terrorists living in our communities. They don't rage at men...just those they can tower over and intimidate. Every man who has done this in the presence of a woman or a child should be threatened and terrorized by any method for days...then, maybe they'd learn a little empathy for what it is like to be afraid of their tantrums.

Reply by Jenny_CA on 8/31/05 12:38pm
Msg #62895

Re: Brenda....

You might be right, I may be in shock. The way I am, is that I get nervous with business situations or anywhere I have to display my "skills" in this case signings. But with stressful situations around me I tend to keep calm (family situations excluded )

My husband and I used to manage an apartment complex in a so so area. I did most of the managing myself, this would include evictions, telling people to stop loud music at 2am, showing the apt. by myself to sometimes shady looking people, behaviour wise and so forth. Aside from flat tires I was blessed that nothing happened to me. Don't get me wrong I am not waiting for something bad to happen I have had my share of negative experiences.

Again , I may be in shock because I can't help but to think if certain documents should have been signed in a certain matter. BTW my going back had to do with the rate on the Note and not because of my fault. If there is a third time for someone else it'll be because the LO did not include the Grant Deed the second time around.

Reply by CaliNotary on 8/31/05 1:38pm
Msg #62917

Re: Brenda....

Heh, don't worry Jenny, I won't bite your head off. It's not like you have any control over whether a borrower flips out or not. All I can do is agree with what everybody else has already said - you should have left immediately since you didn't know if he would take his anger out on you, and meet at a public place for the grant deed signing if you choose to accept that.

And if you don't already have pepper spray in your purse or notary bag, it would probably be a good idea to get some.

Reply by Anonymous on 8/31/05 2:11pm
Msg #62931

Re: Pepper stray

If I used pepper spray for protection at a signing and then was sued by the borrower for inuries, would my E & O insurnace cover my liability?

Reply by MsRobbo on 8/31/05 2:18pm
Msg #62939

Re: Pepper stray

I don't know about the E & O covering but I wouldn't go back either. Never had a borrower lose it like that and hope that it never happens.

Reply by CaliNotary on 8/31/05 4:07pm
Msg #62990

Re: Pepper stray

I would like to think that if you used your pepper spray at a signing it would be in self defense and there shouldn't be any liability.

Reply by Jenny_CA on 8/31/05 2:22pm
Msg #62943

Re: pepper spray

Thanks, I will definitely look into it. It's good to know a man's point of view also.

I emailed the SS and informed them that I will not go back when the Grant Deed is drawn.

Now, let's see if get paid for both my trips 30 days from now....hmmmm