Posted by Anonymous on 9/26/05 8:13pm
Msg #67461

Completely Reprehensible!!!

I AM sorry for using the anon. right now, but I don't want to be black-balled for what I am about to say!!! I just spoke to a lender that wanted me to back-date. Today's date, signing tomorrow at noon. I told them I would not back-date, but I would definitely go out tonight to make sure it was signed by midnight. It would have to be a 2-part signing---wife at home (17-20) miles away from me, and husband at work (30+ miles away, not to mention that's from my home, not the bwr's). They said they would call the title comp. to tell them they wanted to use me... Well, I called them back, and they found someone that would do it tomorrow--which means they are going to back-date!!! Now mind you, this is through the title co. also, so the the title co. and the lender are in cohoots with the back-dating!!! I am sooo appalled that this guy is willing to risk "his" commission (I was told by the lender that it was a male). I probably shouldn't be so upset about this, but I can't get over the fact that this doesn't look so kindly to the signing agent industry as a whole. Most of us work hard/smart to get our signings and do it ethically, it just gets my goat that there are SA's making a buck and getting good money to be unethical!!! I know what the rate of pay was going to be on this deal, and it was hard to say "no", but never once did I consider to say "yes"!!!

Reply by Anonymous on 9/26/05 8:19pm
Msg #67464

Sorry, sent it before I was done. Thank you for letting me vent!!! I guess it just stings when somebody gets money dishonestly.

Reply by Charles_CA on 9/26/05 8:20pm
Msg #67465

Imputing gender is what's reprehensible in this post ...

I'd like to know what you mean by this and what are you trying to say????? " I am sooo appalled that this guy is willing to risk "his" commission (I was told by the lender that it was a male)." Do you think that women don't do reprehensible things?????? I don't understand why this was included. Couldn't you have said "their" comission?

Reply by CarolynCO on 9/26/05 8:29pm
Msg #67470

Re: The sex of the SA is a moot point.

I agree with Charles -- it doesn't matter whether it's male or female, guy or gal and I don't believe the lender had any business telling you (nor you telling us) that the individual willing to backdate was a man -- the sex of the person that they got to do the signing is a moot point.

Reply by Anonymous on 9/26/05 8:56pm
Msg #67472

Re: The sex of the SA is a moot point.

The sex of the SA is a mute point, but it was never an issue!!! It just happened to be that it was a male, as told to me by the lender. I would have said and been angry the same as if it had been a female. There are dishonest females, I know some. I also know dishonest males. I don't understand how this became a point of gender, rather than a point about dishonest SA's, lenders, and title companies. I only passed along what I was told.

Reply by Charles_CA on 9/26/05 9:14pm
Msg #67476

Sometimes what you are told is irrelevant and should

not be passed on. It appeared that you were saying that males have a more flexible sense of what is right! I can think of a lot of thngs I am otold during a typical day and most of is irrelevant so shy pass it on unless of course you ahve a hidden agenda.

Reply by CindyinCA on 9/26/05 9:43pm
Msg #67478

Re: Sometimes what you are told is irrelevant and should

I can't believe this became a female/male issue with you all. He was simply stating all the info that he was given. Main topic: Dishonest SA.

Anon, I did not take it that you had something against males. For all I know, you could be male. Boy, some people read into these threads and just try to pick and fuss about every little comment. No wonder people post as anons. Give me a break!

Reply by CaliNotary on 9/26/05 9:59pm
Msg #67482

Re: Sometimes what you are told is irrelevant and should

I was about to say the same thing as Cindy. What a bizarre thing to make an issue of.

Reply by CarolynCO on 9/27/05 7:08am
Msg #67514

Re: Sometimes what you are told is irrelevant and should

I still see no gender relevance. As Brenda pointed out, Anon acted as an upstanding notary and refused to backdate. If SS did find *someone* to backdate illegally, it's something the unethical notary has to live with, and their commission at stake.

Life is too short for me to to keep everyone else in tow. If Anon really can't get past it, use Brenda's investigating tips and turn the notary into the SOS.

Reply by m_fl on 9/27/05 6:32am
Msg #67509

Re: The sex of the SA is a moot point.

I had a cloasing a few months ago where the husband had no id and no legal verification of who he was. He had a copy of his ID that the judge gave him when he got a DUI. Well I told them i could not accept that and what i needed. This guy was not legally in this country from what i could gather (greencard expired, no id, no passport) blah blah blah. When i told him he would have to go to the DMV and get a state issued ID he said he was not allowed. Anyway I told the SS and they found someone else to do it. I ran across my confirmation for this yesterday and looked it up at the records online and sure enough they found someone. It chaps my A$$ that someone would put everything they have online for a quick $100 (or whatever their fee was) .... but some people have no morals nor do they know any better. When i first got my commission i got it thru an job i had and i had NO idea what it meant to be a notary or what the laws and such where behind it so i think this is probably the situation with some of these

Reply by Sylvia_FL on 9/27/05 8:50am
Msg #67520

Re: The sex of the SA is a moot point.

m_fl

When you looked up the records online, what did the notary say was used as ID?

(Where in Florida are you?)

Reply by m_fl on 9/27/05 12:35pm
Msg #67600

Re: The sex of the SA is a moot point.

Hey Sylvia. I actually spoke to you about this one. Remember me? Anyway she said she used FL Drivers License. Obviously she could not have because he does not have one. This happened in Seminole County. I am in Volusia.

Reply by Anonymous on 9/26/05 11:30pm
Msg #67497

Re: The sex of the SA is a moot point.

Charles have a drink

Reply by BrendaTX on 9/26/05 10:07pm
Msg #67483

***Well, I called them back, and they found someone that would do it tomorrow--which means they are going to back-date!!!***

Anonymous,

I have a couple of thoughts,

If it is truly bothering you, go to the county recorder's office and see if you can nail it down as to who the notary is. For instance, you know the lender, you know the date it will be signed or back dated to, and you know who the title company is. Check for the lender in the index of the recordings. Look at the tops of the DOTs or Mortgages and see if it says "After recording, return to:....That Title Company."

If you figure out who it is for certain, come up with some kind of action you can take to let the notary know it is not so hard to find out who the backdater in the neighborhood is...let all the parties know.

Or maybe this person is not so unethical...maybe this person is ignorant of the rules. Whatever the case, it is not right, but it's going to happen forever without you taking any action. You probably cannot stop much, but perhaps you can take some action to slow it down.

Maybe write a note to the SOS about backdating practices going on and copy it to all the NSAs in your area..ask the SOS to write back with an answer--forward it around. That would get my attention if I were a backdater for any reason.

Or, you can just learn to live with it and let it go. There will always be the dishonest or ignorant person who does as they are told by the "person in authority."

I have only been asked to backdate once...said no. I get bad requests all the time from different people, including family. They get someone to do them. In one "family" case...the notary who did it is not "unethical" but she was young, and she was pressured and she folded. She was used and so were the two not-so-bright witnesses who witnessed the signing of the document I refer to. There will always be someone to do the dirty deeds...especially "dirty deeds NOT done dirt cheap" such as you refer to.

Reply by andreas_wa on 9/27/05 7:02am
Msg #67513

I may be new at this, and to find out more about the profession (esp. since WA is a no-test state) I came accross "Notary Public Handbook: Principles, Practices & Cases" by Alfred E. Piombino.

It says that this practice is unethical. In addition the ethical thing for you to do if you find a notary is being unethical is to report him/her to your state's office that issues the appointments (e.g. Sec. of State.)

Reply by BrendaTX on 9/27/05 10:15am
Msg #67546

Re: Completely Reprehensible!!! - Andreas-wa

***It says that this practice is unethical. In addition the ethical thing for you to do if you find a notary is being unethical is to report him/her to your state's office that issues the appointments (e.g. Sec. of State.)***

Andreas-wa:

I am confused. Do you mean that the ideas I had were unethical? If so please tell me what part so I can re-consider it.

Or, did you mean that it was unethical to backdate? If that is what you meant, please ignore this message.

Reply by janCA on 9/27/05 12:39pm
Msg #67601

Get in contact with that notary.....

and let him/her know what they have done and the illegality of it. Give them one "stiff" warning that you'll be keeping an eye out and if they want to keep their commission and not get reported, they had better shape up. I would not go directly to the SOS until I had gone to the source first.