Posted by Charm_AL on 2/25/05 9:16am
Msg #22396

gripe...

I must be getting spoiled or something...I've only had 2 signings that paid $50.00. The others have been more. So a $50.00 (because they overnite) SS calls and I get them up to $65.00. I get the docs, go thru everything and get the signing completed. Which was a thrill from the start, as the borrower was super ticked to learn that she had to come up with $600.00 on the day of the closing. She starts out by asking me why before I sit down. Can't find anyone anywhere with the phone numbers I had. I suggested that she get thru the signing and realize that she has the RTC. She then calls her sister to come over because she works for a closing attny. Her sister tells her she got ripped on the settlement charges and title search. After an hour of interuptions, I leave - signing complete. Not before her sister says "wow, I should do what you do" assuming that I was going to be paid $365.00 for this.

Then I get home to do the norm and there are two seperate sets of instructions to two different people on what they MUST have faxed back.
One wanted just about everything, the other wanted three or four docs less. Same company mind you, not counting what I had to fax to the SS.
I can see faxing in the HUD and signed Mortgage/note...but beyond that it's a waste of my time...IMO!
Thanks for the vent

Reply by Alabama on 2/25/05 10:36am
Msg #22411

Been there, done that I have sympathy. Possibly Nations Direct/Ditech?

Reply by Charm_AL on 2/25/05 10:39am
Msg #22412

no, but I'll keep that in mind...:)

Reply by Ernest_CT on 2/25/05 10:55am
Msg #22414

Re: no, but I'll keep that in mind...:)

I had one yesterday where they want 34 (thirty-four!) pages faxed back.

Why is it they never tell us when we take the signing?r

Reply by Charm_AL on 2/25/05 11:02am
Msg #22416

and....

charge for it also!!! what a maximus pain in the gluteus assimus !

Reply by Ernest_CT on 2/25/05 11:04am
Msg #22418

Re: and....

Great line! Can I steal it (he asked rhetoricaly, knowing he'd steal it anyway)?r

Reply by Charm_AL on 2/25/05 11:13am
Msg #22425

Ernest

yes but don't use it in Huntsville. Someone may ask you if you know my hubby's ex

Reply by BrendaTX on 2/25/05 11:33am
Msg #22430

We can thank Anonymous Test Taker for the 34 pg faxbks

Is it any wonder an SS wants to QC that kind of notary's work?

Anonymous Test Taker and the Venue Question
made me do some serious assessments of where
this business is going.

Who *would* pay an indifferent notary
with no motivation more than $40.

It probably takes them two Anonymous
Test Taker types at $40 a pop to complete a
signing.

Reply by ERNA_CA on 2/25/05 1:20pm
Msg #22462

Re: We can thank Anonymous Test Taker for the 34 pg faxbks

I took it upon my self to ask ss why the fax back policy.
Their answear was. If the party that orded the signing dose not pay us and gives the reason as missed signatures or lost paperwork. We can prove them wrong. They told me they run into lost or misplaced documents at ecrow or tile quit often. And the notary is usualy set up for taking the blame.

Reply by Sylvia_FL on 2/25/05 8:36pm
Msg #22551

Re: no, but I'll keep that in mind...:)

As a lot of you are aware, I have a signing service in F. When I call a notary for a signing I tell them that I do require the notarized pages to be faxed to me.
You would be surprised how many experienced notaries out there do not fill in the notary certificates per Fl notary laws. One notary when I called her back and said she needed to complete the notary certificates on two of the docs - they were missing some of the elements needed for a FL notarization - she told me that she can not add anything to the notary certificate that is on a document, as it would be UPL! I told her she was not adding anything to the document, she was just completing it as per Fl notary law. She then said that it was the lender's responsibility to make sure the certificate complied with Fl notary law not hers!
Needless to say, I do not use that signing agent any more.

But once the notary does perfect notarizations, then I do not require that notary to fax back anything.

Reply by BrendaTX on 2/25/05 9:17pm
Msg #22560

Sylvia, Your request is reasonable...

and you pay the SA well. I never have a problem with QC on the first few jobs I do for anyone...but 34 pages is not just the notary pages.

When I first got started I worked for a ss company that would hire brand new NSAs. I was fine with that so I could be sure I did it right before shipping.

But, I'd fax them in around 24 pages and wait until 3 pm to call as per instructions. They would say "You have not faxed it in. We do not have it."

Dang, I must be delusional...so I would do it again and wait. Someone would call and tell me that if I did not get my fax in I was going to be docked!

But I did!

No you didn't.

Ok...

Finally, about round three "I" would get it right and then get clearance to ship but nearly miss FEDEX. It's alright though because those first few jobs boosted my confidence by KNOWING I was learning correctly.

Reply by Ernest_CT on 2/26/05 1:42am
Msg #22595

In cases where they say they didn't get the fax, ...

... I print out the Send Report (it has all the transmissions since the last Report), copy it, black out the other lines, and fax it. It is amazing how quickly the nonsense stops.

Reply by Ted_MI on 2/26/05 9:27am
Msg #22602

Re: UPL

Sylvia,

My perspective is that I think a lot of nsa's are paranoid about possibly committing "upl". How someone could think that expanding a notarial certificate would conceivably constitute the unauthorized practice of law is absolutely beyond me. What is necessary for upl as I perceive it is some sort of contact with a real, live person and giving that person some sort of advice.

Reply by Ted_MI on 2/26/05 9:18am
Msg #22601

Re: no, but I'll keep that in mind...:)

Ernest,

With all due respect, I really think you have to ask how many faxbacks there are going to be. I got a call several days ago for what turned out to be three separate refinances (principal residence and two investment properties) at the same location. I inquired as to faxbacks and the contact person told me there were ten per package; wow that adds up to thirty fax backs!! Nothing really came of the conversation as the person who called me decided to go back to the originall nsa. But I wouold have factored in all those fax backs in a fee I would have quoted him.

Reply by Charm_AL on 2/26/05 11:28am
Msg #22615

thanks Ted

I will add that to my ever growing list of what ifs...I plan to ask that question before I quote my fee in the future.
I agree with Brenda_TX in that these companies have come to realize that they cannot rely on a professional notary whom will cover the basics of notarizing these time sensitive docs the right way. I guess it's not the fault of anyone involved, but paranoid SS's getting screwed by notarys that think they can do this job.

Reply by Ernest_CT on 2/26/05 4:57pm
Msg #22642

Thanks, Ted!

Asking about faxbacks was a hard lesson for me to learn. Some signing services claim total ignorance ("I haven't received the documents yet") which makes me suspect that there will be a large number of pages in the edocs. Asking what kind of loan(s) are in the package helps to give a clue. I've also started asking "Will the package have to be split (between the lender and the signing service)?" so that I'll know whether it is going to take extra time to make two packages instead of one.

Reply by CarolynCO on 2/25/05 11:19pm
Msg #22572

I got a call yesterday for a signing tonight at 5:00. I told them I wouldn't be able to do it until 6:00. They said to verify with Borrowers. Docs would be overnighted but went ahead and asked my e-doc fee for the future (I've never signed with them before). Both rates were acceptable to them. I called Borrowers to advise that I wouldn't be there until 6:00, maybe a little after. Fine. I went through the speech of making copies of drivers licenses. No problem. I asked them if they had been told if I would need to pick up money, because not having the docs I wouldn't know until right before I got there if I would need money. Borrowers said they thought everything would break even moneywise.

I've been away from the house all day and returned for the first time since 7:30 a.m. at 5:00 p.m. No package at the door -- no package between the storm door and the front door -- no package under the mat -- no package in the locking mail box -- no package.

After walking the dog, I didn't get the computer turned on until about 5:20. Lo and behold, 2 e-mails from loan company apologizing for the lateness, but that their e-mail had been down all day, but here was the complete package. I called Borrowers to advise that it would be after 6:00 because docs were not overnighted and I had to print and copy the docs.

Of course, no one's around to send a new confirmation for e-docs.

After getting both packages finished, I see that I'm to get $850 and some dollars -- CERTIFIED FUNDS. About 6:15 I call Borrowers to say I'm on my way. They were only five miles away. I told her that they weren't breaking even and that I needed $850 and some dollars. She said no one had bothered telling them and the Banks were closed. I arrived and said that I hadn't had time to review the docs before I came, and they said to take my time. On the 2nd page of signing instructions -- "if Borrowers owe more than $200, personal check will be unacceptable -- certified checks only, and to immediately call such and such number." Of couse no one is at that number either, and no one is at the SS.

The instructions say to sign in Black, not to change anything, including names, blah, blah -- Borrowers names were Cynthia and Joseph, however, on about every third document, Josephs's name was typed as Josephn. Still can't get ahold of anyone, so Borrower crosses through, initials and prints correct name.

Then about 20 pages into the docs. there is another page specifying to do everything in Blue ink. Borrowers were really great people and took everything with a grain a salt, and didn't get upset over any of it. They gave me a personal check and guess what -- no where in the package does it say who to make payable the CERTIFIED FUNDS. Going through the docs, there are three different company names. I don't think I would have done it had it been me, but they left the payee blank and handed me the signed $850 some dollar check made out to no one.

Never a dull moment.

Reply by BrendaTX on 2/26/05 12:16am
Msg #22581

Snake bit file, huh?

Lately I have had it be okay for Bwrs to send in check next day via FEDEX.

And okay to collect checks in 2 or 3 increments/post dated, no less with one to follow. I did not get the LO's name who ok'd it. The SS was so nice about it to me but they were in a pickle a week later trying to verify the LO had said ok to the checks coming later. I called the Bwr for them and got a name and all was ok.

The other time, one check was dated 45 days out. One for that day...another for 30 days.

Perhaps the check being in the form of a check will be ok.

Reply by Cheri Armentrout on 2/26/05 11:31am
Msg #22616

Carolyn

I know what you are saying....lol...never a dull moment.
Did you hear that I did a signing at a dining room table (lace tablecloth) and a three year old allowed to run across the table as we were trying to sign? I did everything I could to keep the pages from being ripped up, let alone in order!

Reply by CarolynCO on 2/26/05 7:39pm
Msg #22662

Re: Carolyn

LOL -- it's like what's going to meet me on the other side of that door?