Posted by gijane on 6/9/06 12:17pm
Msg #124965

RE: Blank Vesting on DOT

Does anyone know if it's legal or not to leave the vesting on a DOT blank?

Reply by janCA on 6/9/06 12:34pm
Msg #124970

You'd be notarizing an incomplete document.

Reply by gijane on 6/9/06 12:51pm
Msg #124975

Please let me vent!!....So at the table...these were over night docs, I open docs get ready to sign then I realize the spouses name is misspelled so, I start to look for an AKA affidavit and while looking for it I came to the DOT..I read a few lines then got to the vesting and it was blank. I immediately contact the signCo and they contacted the EO. She calls me back and is very insistant that I leave it blank and notirize. I did not feel comfortable leaving it blank, and yes because it was incomplete, so I offered to write the name in on the DOT vesting and on the signature page as well. She continued to say..she didn't know what my problem was, they are "Fidelity National" a world wide lender, they wouldn't do anything ilegal. I then again reminded her that this document was incomplete and if she did not want me to write in the name then I will not notarize it. Then she told fine send me the docs back and I will call another notary..........!!!!!!! So I left the signing...and to top it off this was Spanish speaking borrower and their daughter was there and she was translating everything that was going on.

So just now I got a nasty little call from the singCo, and they are blaming it on me that the borrower is now telling them that he has changed his mind and he is not comfortable signing. I told the singCo that unfortunately that was out of my control, if the borrower changed their mind after seeing that things were not in order, that is not on me. I feel like I did something wrong...

Reply by janCA on 6/9/06 1:13pm
Msg #124981

Did the right thing, but

You were correct in not notarizing that deed, however, you said the daughter was interpreting for the mother. This is a "no can do" in CA. You have to be able to communicate with that borrower and when there is a translator involved, something may get lost in the translation. Next time you are confronted with this, hopefully, when you call to confirm the appt. and you realize these are Spanish-speaking borrowers, contact the SS or whoever and let them know these signers need a Spanish-speaking notary.

Reply by cmd_NH on 6/9/06 1:54pm
Msg #124993

Jan is right...

If you don't understand the language how can you be sure that the daughter is telling you and/or her mother exactly what is said.

I have had a couple packages without the venue....I write it in. If they have a problem with that, that's their problem....at least I know I did my job right!

Haven't had any problems with it so far.

Reply by Ernest__CT on 6/10/06 4:23pm
Msg #125162

Seconding Jan's and cmd_NH's opinions

Notarizing a document with blanks is a big no-no.

Not being able to communicate directly with the borrower is also a big problem. I've had to adjourn more than one signing because the borrower and I could not speak a common language. (In all cases the appointment HAD been confirmed with someone who spoke English!)