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Insufficient ID
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Insufficient ID
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Posted by J/FL on 6/20/05 6:33pm
Msg #46291

Insufficient ID

I've tried searching and was unable to locate a solution.

At a signing this afternoon borrower presented Florida DL in the name Jane J. Doe. The mortgage and note were in the name of Jane Janet Doe. The borrower had no other ID sufficient to meet FL notary requirements and was unable to find 2 witnesses to identify her.

Does anyone have any other ideas for completing this signing? Thanks!

Reply by Becca/FL on 6/20/05 6:39pm
Msg #46292

Page 61 in the manual.

Reply by J/FL on 6/20/05 6:43pm
Msg #46294

Thanks, Becca!!

Reply by PAW_Fl on 6/20/05 8:42pm
Msg #46314

>>> The borrower had no other ID sufficient to meet FL notary requirements and was unable to find 2 witnesses to identify her. <<<

Unlike CA, FL does not allow us to simply use two credible witnesses unless it is extremely difficult, if not impossible, for the signer to obtain satisfactory ID, and the signer currently does not posses any ID. So if the signer's ID doesn't match, then you could not use two credible witnesses.

On a personal preference note, the use of the "... who represented to me that he/she is also known as ..." construct should be used diligently and not as a simple replacement for incomplete identification. This is not to say that it isn't okay to use, just that a prudent notary will further investigate the claimed name by using supporting identification, not necessarily acceptable, so that the notary is reasonably satisfied that the signer is who they say they are. The use of additional documentation should be noted in the certificate as well as the notary's journal (if the notary is using one).


 
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