Posted by Anonymous on 7/4/06 2:05am
Msg #130672

I've made a big mistake

I am new in this business.This was mine second loan signing through SS. I got a call at noon for a 8 pm signing. The e-docs didn't come until 10 pm. So I had no chance to look at them. When I went to borrowers home I realized there were 2 set of docs and it was 11 pm. The problem was The name on her Driver licence was Jane Smith but docs were Jane V Smith. She said the V was her ex husbund's name from long time ago. She didn't have another ID with the V. I know the rule but I couldn't think at that time. I was so nervous. A day ago I went to another signing where I made another mistake. I went to title comp. to fix my mistakes. She told me borrower had to sign excactly as the name on the docs. That is why I let her sign as Jane V Smith. I left house at 1 am. In the morning I understood I had made a big mistake. I could cross out V.

Reply by Jenny_CA on 7/4/06 3:56am
Msg #130676

You cannot alter a borrower's signature.

There is more to this job than the docs. You are a notary public first . Have you printed out the CA SOS handbook? If not do so and keep it with you, study it as much as possible.

sorry would write more but it's late. Use the search button whenever you have free time you will learn alot.

Reply by LkArrowhd/CA on 7/4/06 10:20am
Msg #130690

Re: I've made a big mistake-Put off doing another signing

for at least a month....study your book....where are you located?

Reply by Dee_Fla on 7/4/06 12:33pm
Msg #130721

The borrower needs to sign exactly what the documents is printed out. There are many who have remarried and never changed their DL or corrected it. But that is what the AKA is for. You should had used the AKA and the aka would had define her as the same person.

Reply by CopperheadVA on 7/4/06 12:55pm
Msg #130727

This is my opinion only, but I don't feel the AKA covers the notarized docs. Notarizations must be able to stand up to scrutiny upon their own merits, not dependent upon another doc that is somewhere else in the package.

Reply by Janlee_MI on 7/4/06 2:04pm
Msg #130743

I agree with you Copperhead. If so then it would not

matter what they signed as long as the AKA was done with that name on it.

Reply by Pamela on 7/4/06 2:16pm
Msg #130744

Anon 71.130.197.19 Re: I've made a big mistake

Next time,

1.) Always give a deadline for which the documents must be received. For example, with an 8:00pm appointment, the documents should have arrived no later than 6:00pm. This would have given you time to download, print and review them (also, to factor in your drive time etc. . .).

2.) Once received, telephone the borrower(s) to ensure that he or she has the required identification, to match the name(s) on the documents.

Note: I also ask the company upon acceptance, the name(s) of the borrower(s), address and telephone number(s). I then telephone the borrower(s) to confirm the appointment time, and that he or she has proper identification!

And as stated before, once the documents have been reviewed, and I am ready to leave, I telephone the borrower(s) again, to let him or her know that I am on my way. And (because I now have the physical documents before me), I also ask how is his or her name written and spelled on their identification. For example: The docs have Jane V Smith. But the person tells me by telephone, that her I.D. says Jane Smith!

3.) If the documents, were not ready by 6:00 pm, the appointment would have to be reschedule. However, you should still receive your full, agreed-upon fee! But remember, you must let the company know, before accepting the assignment, that there is a deadline!
That if the documents are not there by a certain time, that the appoinment will have to be reschedule! Now, once rescheduled, you are still due for a new signing fee!

This happened to me three times! And Yes, I received full fees from each company! Plus, I received my fees again, for going out the second day! Of course each company is different, which is why it is so important to establish this at the very beginning!

4.) If there were "2 set of docs", you should have bought this matter to the company's attention ASAP! Meaning that, you are due additional signing fees!

5.) The ONLY corrections that you are allowed to make, is in the notarial verbiage section!
NEVER, NEVER, NEVER cross out anything else! Now, many lenders do allow the signing agent to correct the 3-Day NRTC; however, the borrower must also initial!

Pam

Reply by CaliNotary on 7/4/06 3:28pm
Msg #130750

Re: Anon 71.130.197.19 Re: I've made a big mistake

"3.) If the documents, were not ready by 6:00 pm, the appointment would have to be reschedule. However, you should still receive your full, agreed-upon fee! But remember, you must let the company know, before accepting the assignment, that there is a deadline!
That if the documents are not there by a certain time, that the appoinment will have to be reschedule! Now, once rescheduled, you are still due for a new signing fee!"

Yeah, good luck collecting your full fee when you cancel an appointment 2 hours before the scheduled appointment time. There may be a few fluke companies out there who would do this, but most of them would laugh you right off of the phone and never call you again.

Reply by Pamela on 7/4/06 4:15pm
Msg #130751

CaliNotary!

Salutations!

That's why, I stated that these fees and edoc deadlines, must be discussed and negotiated BEFORE accepting the assignment!

Either it's possible or it's not! Of course, many companies will say that the docs are going to arrive on schedule, when of course they do not. And that's why, I ALSO state, that I expect my full fee (or as close to it) if the documents do not arrive on time and the signing has to be cancelled due to no-fault-of-my-own!

Meaning that, if I have a 7:00pm appointment, and the documents do not arrive until 9:00pm, whose fault is that? With the docs not having been sent in a timely manner, there is no other recourse but to reschedule the appointment! By the documents arriving very late, the company is the one who cancelled the signing, not me!

In one of my very first signings, a company had telephone early in the morning for a 7:00pm signing. By 8:00pm, the documents, still had not arrived. I kept waiting and waiting (and calling and calling)! I also kept rescheduling with the borrower! At 10:00pm the documents were still not ready!

However, later that evening, I talked to a very experience signing agent, who informed me, what to say and do! She also told me to calm down as I was frazzled ("smile"!

Yes, I received my full fee for that cancelled Signing (And yes, the company understood!)!
The next day, I also received full fee for completing that same signing!

Lesson Learned: I will not be "frazzled" by companies not sending documents in a timely manner!

By the way, hope you're having a Great 4th of July!

We all are getting ready to go to a barbeque. . .!

lol,

Pam






Pam

Reply by TitleGalCA on 7/4/06 8:05pm
Msg #130764

Re: CaliNotary!

Pam, albeit I'm a bit cranky today for many reasons but do you HAVE to put an exclamation point after each sentence? It sort of waters down the main point you want to make.

I was following the thread and the thoughts... but all those exclamation points diverted my attention, big time.

Reply by BrendaTx on 7/4/06 8:18pm
Msg #130770

OT CaliNotary! Titlegal...

Isn't it funny how things like this are so ingrained into our psyche? I think people who read a lot are hypersensitive to punctuation and such. I have attempted to learn to stop using "--" to insert a thought as my son has advised me that it drives him nuts to read anything I right with these little "--." He is a pretty fair writer of not only "just the facts, ma'am" but also of more thoughty pieces, so I believe him when he gives me a tip on my writing.

Recently, I read aloud to a shut in while sitting with her for a friend. It was a scholarly text I was sharing with her. While I appreciate the scholar's ability to properly puncuate, it was clearly not a piece of prose which should have been read aloud. The sentences went on and on and on and on.........................and it was very difficult to know when to "wind down" to end the sentence, or to "gear up" for emphasis.

Reply by TitleGalCA on 7/4/06 8:38pm
Msg #130774

Re: OT CaliNotary! Titlegal...

***Isn't it funny how things like this are so ingrained into our psyche?***

Yes. But it is also about communication. Whether reading to a shut in (isn't that one of the most rewarding experience in life???) or reading for yourself, puncutation is huge. Simply huge.

It affects the flow of the thought. With the written word, you can lose a reader with bad punctuation or sentence structure. The flow has everything to do with the attention of the reader. You have it Brenda. Many others don't.

Sort of makes that English class in College become so very important. While in college...I discounted it. Now that I'm here in reality? It is so important...cool...useful...any other descriptives?

Reply by TitleGalCA on 7/4/06 9:38pm
Msg #130781

Brenda you are being politically correct here n/m

Reply by TitleGalCA on 7/4/06 9:48pm
Msg #130783

Whoops

Part II of my post is this...***Isn't it funny how things like this are so ingrained into our psyche? I think people who read a lot are hypersensitive to punctuation and such. I have attempted to learn to stop using "--" to insert a thought as my son has advised me that it drives him nuts to read anything I write with these little "--." He is a pretty fair writer of not only "just the facts, ma'am" but also of more thoughtful pieces, so I believe him when he gives me a tip on my writing.***

For what it is worth - in this forum I appreciate honesty. If the punctuation doesn't conform, I try to make the adjustment - this is for me only.

Still....my adustment is no equivalent to the real thing..or, appreciation of language and expression of thought. For those that can express themselves with thought and passion...I admire them. Think Calinotary. For all those perceived thoughts about his posts...he articulates better than anyone I've come across.....bar none. Cali gets my vote for the best write award...if there is such a thing.

Reply by BrendaTx on 7/4/06 10:02pm
Msg #130790

Re: Brenda you are being politically correct here - Yep...I

am being politically correct.

Yet, my point was illustrating that I have adjusted my writing style when it was brought to my attention that it was difficult to read according to someone's judgment I trust.

The comments on the scholarly text was actually nothing more than my head "running."

You and I are going to have to take these disagreements off the board. I was queried the other day if you and I were upset with each other. Nope. Fortunately, our friendship does not really require us to be in total agreement all the time. Two opinionated women united by the occasional parallel opinion makes for excellent debate and conversation.

Reply by TitleGalCA on 7/4/06 10:42pm
Msg #130800

Oh....for heavens sake Brenda

You of all people make me feel good about this notary site. No way...do we have disagreements that have to be taken off board....given that I won't ever, ever satisy someone that judges our comments or relationship, that is nonsense, pure and simple, because I'm not posting here for
"Their" approval.

Bye the way.... someone tell me who "They" is?

You, of all people, are "normal". Further you have a good head on your shoulders! I could give a hoot what anyone thinks of my posts here, except a few that I admire, present company included.

You on the other hand feel a responsibility to others, and all those "others" benefit greatly from your input. For that I commend you. You're heart is huge in contributing to this board. Someday, I'd like to be more like you.

For those that "query" (quoting you here) I suggest they take care of their own relationships instead of others, especially yours and mine. I value you so much in many capacities, especially as my Friend.

Tell others to get their own Friends. Jeepers...is my annoyance not abundantly clear??? Sheesh girlfriend, I am shaking my head.

Reply by BrendaTx on 7/4/06 11:13pm
Msg #130801

Re: Oh....for heavens sake Brenda Who "they" is...

You asked and I will tell you quickly because I am about to hit the sack...

"They" are someone who my mom trusts implicitly.

She has monitored our lives carefully based on what "they" say about any number of things.

I am fairly certain that "they" are
-the people on the local news
-the subject of 2nd hand stories from her visits to see her friends at the retirement center; and/or
-those crazy gold coin sellers who had her purchasing a bicycle and pressing me about digging a well in her front yard to install a hand pump on right before Y2K.
-or the visitor from the next short story...

The other day "they" were in her living room attempting to persuade her that she needed to purchase annuities to insure the "bad theys" could not come and take everything she had if she needed medical attention. Yep..."bad they" will sell her house, her car, etc. etc.

She and I talk three times a day between her fun and frolicking with the Vintage Boy Toy. I put a halt to "they" and their advice. "They" are in a class action right now over predatory marketing to seniors. She and the trusty VBT are coming in a day or so..."they" was one of his old classmates. I have a few credible reports I want to send home with them on "they." I cannot blame trusty VBT...salespeople work those class reunions like Pontiac gearshifts.

But, I have heard all I want to from "they." Sometimes I hate "they." Grrrrr.

Reply by TitleGalCA on 7/4/06 11:21pm
Msg #130802

I'm not crazy about "they" either.

It is a plot, against all "normal" thinking people.

"They" won't affect my opinion about anything. Ahem, at least I hope so.

Reply by christiSocal on 7/5/06 1:41am
Msg #130804

The problem is you guys are Not normal

Normal is boorring. You two are definitely beyond "normal" I love reading your posts and yes I am a big reader. I do wish I had finished that college english course. Because of reading, I can tell when something is wrong, just not how to fix it This partiular "they" wants you to ignore us and keep writing. As long as I can keep reading!

Reply by Pamela on 7/5/06 2:45am
Msg #130807

TitleGal Re: CaliNotary!

Hello TitleGal.

Yes. I intentionally used exclamination points at the end of each sentence
(in my response to Calinotary's message).

According to the American Heritage Dictionary, an exclamation (in one definition)
is to be used as "An outcry of protest".

If a period was used, it would not have the same impact. In other words, to have
placed a period at the end of each sentence would have a monotone effect
(for which I was not trying to convey).

As you read this, you may have notice that I did not use any exclamatory sentences
(for which is grammatically incorrect).

Also, I beg to differ as to the "watering down" effect, as I wanted the tone to be
"fever-pitch"!!!!!!!!!!!!!!!!!!!!!!!! [Sorry! Just couldn't resist! "smile"]


Now, to change the subject matter, may I e-mail you (at a later date and off the board),
as I have a very important "title" question?

Take Care.

Pam