Posted by CaliKD on 12/28/06 1:41am
Msg #167952
acknowledgements missed
I did a signing last friday and didn't attach acknowledgements and the signers signed the ressesion form to cancel, crossed it out, initialed the mistake and signed in the appropirate place. I sent the form as such. I am now being asked to send 3 acknowlegement forms for Legal Sign. Cert, Power of Attorney, and the DT. Is it okay to send these three items solo from the paperwork? I have to meet with the borrower again to get the signatures for the ressesion but I cannot get a hold of her, out of my power?
| Reply by Lee/AR on 12/28/06 7:01am
Msg #167958
New at this, huh? You screwed up, big time. Make it right & learn from it. What does your journal indicate you notarized? Have them fax you what you did to be sure of what is or isn't on the original paperwork. In general, those forms you referred to would have a notary block ON the page OR there would be another page with only the notary block, BUT there would also be page numbers (i.e., 1 of 3, 2 of 3, 3 of 3).
| Reply by Ernest__CT on 12/28/06 7:37am
Msg #167964
All newbies should read this Thread ...
... to see what kind of things worry borrowers, signing services, title companies, lenders, and experienced Notary Signing Agents. It is because of incidents such as this that excessive faxbacks are becoming the norm.
When the borrower(s) sign(s) the Right to Cancel (RTC) form in the I-want-to-cancel area instead of the I-received-my-notice-and-I-understand-it place, swap the lender's copy with the borrower's copy.
Always, always, tell the borrowers that they must not touch pen to paper before you have finished your explanation of the form and told them where to sign. Then start with the obvious: The signing date. Next, mention the Federal three-BUSINESS-day rescission period. Then point to the last date by which to cancel and mention midnight. Point to the I-want-to-cancel line and say the equivalent of "If you sign here, you're CANCELLING." Last, point to the I-received-my-notice-and-I-understand-it line and say something like "If you sign here you're saying that you've received your copy (or copies!) and you understand your rights." Then, and only then, should you allow the borrowers to sign.
If the Notary Signing Agent screws up, it is his or her responsibility to fix the screwup on his or her own time and expense. There's never a question.
| Reply by MistarellaFL on 12/28/06 8:40am
Msg #167970
I still use
The little "sign here" arrows on this form and watch them like a hawk.
I re-use them from signing to signing, because in my experience, this is the form the borrowers seem to have the most difficulty signing in the right place.
| Reply by Bob_Chicago on 12/28/06 8:57am
Msg #167972
Sometimes you want to shake them and ask.......
Which part of sign here, where I am pointing , and where
it says " I acknowledge receipt..., and not where it says
"I wish to cancel" wasn't clear.?????
I have one lender that puts a sticky over the "I wish to cancel"line
stamped "Do not sign here unless you wish to cancel"
I have had people remove the sticky and start to sign at the
wish to cancel spot.
No matter what you do , there are will be folks that don't get the message.
Today is the first day with a 2007 recission date. Hope that I don't
screw up writing it.
| Reply by Becca_FL on 12/28/06 9:18am
Msg #167974
Good point, Bob.
>>>Today is the first day with a 2007 recission date. Hope that I don't
screw up writing it.<<<
How many times will I write 2006 instead of 2007? Time to take some Ginko Biloba. (sp)
| Reply by CaliNotary on 12/28/06 11:09am
Msg #167984
How on earth do you miss 3 acknowledgments??????
You obviously don't have a clue how to do this job. You have no business going out and screwing up people's loans just so you can get paid while you learn. Shame on you.
| Reply by CaliKD on 12/28/06 2:14pm
Msg #168017
Re: How on earth do you miss 3 acknowledgments??????
thank you for your response, I mistakenly took this job and now have every intent to do "follows" for a while before again atempting this on my own. As far as newbie's go, yes I am one and would like to remind you that you were once a newbie as well, please don't be so harsh on me, it is very discouraging, and I understand that practice makes perfect. Nobody in this world is infact perfect and I appricate your time for the response. thanks
| Reply by JanetK_CA on 12/28/06 6:21pm
Msg #168074
Re: How on earth do you miss 3 acknowledgments??????
Yes, practice supposedly makes perfect, but study and training can make for at least the minimum level of competence one should have before taking responsibility for loan docs involving one of the largest financial transactions that most of us make in our lifetimes. That minimum includes knowing how to properly complete notarizations.
Good for you for deciding to hold off for the moment. If you can get someone to allow you to do a "ride-along", great, but in the meantime, I suggest you get your hands on some more training materials regarding, first and foremost, notarial procedure, then loan document signing. I'm sure someone will have referred you to the orange SEARCH button on this site, as well. (I don't have time to read this whole thread now.) If you wear it out, you will learn tons.
| Reply by AGarcia/FL on 12/28/06 11:17am
Msg #167988
Try to continue to call the Borrower, if possible ask for an alternate telephone number in order that you can contact them to correct this. Leave plenty of messages.
What helps me out A LOT is using "sign here" tabs. I re-use them and before leaving to the signing I make sure they are in the right place.
In order not to forget one spot, I even place them on the "initial" portion of all the documents. Sounds a little neurotic but I don't want to go back and don't want to forget anything.
I've had borrower(s) sign in the incorrect place on the RTC, that's when I point out that they signed in the wrong place and need to get one of their copies and I make sure they understand the RTC procedures, which teaches me not to look away for a second and sign when I say so. Always helps to print out extra copies just in case they sign all of them in the incorrect spot. (Hopefully that'll never happen)
| Reply by Glenn Strickler on 12/28/06 11:55am
Msg #167989
You should never send in any crossed out and corrected docs where the BO signed in the wrong place. You have copies you can exchange out and send a clean copy back. I have used arrows and still have had the BO begin to sign in the wrong place. Never take your eyes off any doc while they are being signed. Review the docs before you meet with the BO and paper clip the ones that need acknowlegements or jurats so you don't miss them.
Get some help. Get a mentor. Pay an instructor .. something .. whatever you have to do to get competent before you take on another assignment. This may sound a little rough, but so far this week, I have spent 2 hours on Tuesday and another hour last night doing nothing but fax backs and this is a direct result of situations such as this becoming more and more common.
| Reply by Kelli Deskins on 12/28/06 2:19pm
Msg #168018
Thank you for your positive response, these people were very distant when signing paperwork and neglected to pay attention. thank you for the swap suggestion, and I plan on following or shadowing another notary for a while.
thanks for your help.
| Reply by Kelli Deskins on 12/28/06 2:20pm
Msg #168019
Thank you for your positive response, these people were very distant when signing paperwork and neglected to pay attention. thank you for the swap suggestion, and I plan on following or shadowing another notary for a while.
thanks for your help.
| Reply by Bernice/CA on 12/28/06 12:30pm
Msg #167994
Hi there,
I'm sure you're feeling unsure of yourself right not, but don't worry. This can be corrected (at your expense.) Please follow the instructions previously shared. If you want to talk to someone about this, give me a call...
Bernice
| Reply by ZeeCA on 12/28/06 12:34pm
Msg #167996
This is a joke right? like the vacation one right? n/m
| Reply by CaliNotary on 12/28/06 12:42pm
Msg #168000
I think it just might be
I have a hard time believing anyone could be quite this incompetent.
| Reply by Kate/CA on 12/28/06 1:43pm
Msg #168010
Re: I think it just might be
I had a signing once where the son answered the phone and said his mother didn't speak English. Spanish only. O.K. I had the docs already, I called a SA near me that does speak Spanish, he would do the signing. So, I called the signing service, they said fine. I told this SA I would pick up the docs as I had another set of docs to return and only one envelope to return both set docs. This SA had told me he had been a notary for 9 years and is a real estate agent. He missed 6 signatures on docs, but had the borrowers sign 7 RTC and never left them one. Needless to say, I had to make a trip and she did speak English. Got them to Fedex in time for the pick up.
| Reply by Pamela on 12/28/06 12:34pm
Msg #167997
CaliKD Re: acknowledgements missed
Good Morning!
Everyone makes mistakes. We learn, grow and move on. However,
try to be very thorough and as diligent as possible. If you need to
ask questions (before, during or after a signing), then do so. Have
readily available the names and after hour telephones numbers of the
signing/title company's contact person, the escrow officer, and loan officer.
Although each person has their own system, this is what I suggest
(especially when first starting out):
Always review the documents beforehand.
Pull and set aside those papers requiring notarizations (match these documents
with the required notarization certificates). Another option (instead of pulling the
documents out of the packet) is to place the notary certificate in back of each
document, which requires a notarization. Either way, the ceritificate will be
"visible" to you and therefore, not mistakenly overlooked.
Next, complete your notary journal (i.e. document type, signers' names).
Now having done this, when you are ready to notarize documents,
everything will be in order. When you open your journal, the information
(pertaining to the certificates and document types) will already be listed
(of course other mandated information such as date, time, signatures, etc. . .
will have to be added at the actual time of notarization). Not only does this
save time (at the signing), but is a "back-up" system, so to speak.
And, before leaving the borrowers' home, REVIEW each document. Check
for missing signatures, initials etc. . .
Also, until you have more experience, do not accept signings too
far away from your base, as you may need to return for corrections.
Have a Blessed New Year!
Pam
| Reply by ZeeCA on 12/28/06 12:46pm
Msg #168002
Re: CaliKD Re: and make sure the language in the notarizatio
n w/in the document is standard langauage and does NOT deviate or attach a loose WHICH YOU SHOULD ALWAYS CARRY TONS W/ YOU AT ALL SIGNINGS
| Reply by CaliKD on 12/28/06 2:24pm
Msg #168022
Re: CaliKD Re: acknowledgements missed
Thanks pam for your suggestions, I like that placing certif. in back of docs. gonna try that one. Have a wonderful new year.
| Reply by GF_CA on 12/28/06 2:21pm
Msg #168021
CaliKD which city are you in CA? n/m
| Reply by CaliKD on 12/28/06 2:26pm
Msg #168023
Re: CaliKD which city are you in CA?
Eureka, in Humboldt County Northern California
| Reply by GF_CA on 12/28/06 3:05pm
Msg #168029
You are too far from me, I'm in San Joaquin County
I suggest asking some Notary’s in your area if you can go on a signing with them to refine your skills. It helped me when I first started out. Thanks Tee 
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