Posted by SharonMN on 3/20/06 9:34am
Msg #106974

ID-ing borrower on second visit

Do you guys ask for ID when you have to return to the same borrower a second time? For example, there were problems with the paperwork or loan terms, the borrower and lender get it all figured out, and you return the next day with new docs. Do you ask for ID again to cover the possibility that it might be the original borrower's evil twin before you? Or do you copy the ID info from the previous day's visit or go with "personally known"?

Reply by PAW on 3/20/06 9:43am
Msg #106976

You must ID the signer each and every time they are in front of you. You must also follow your state laws as to "how" you ID them. If you have visited a signer enough to "know them", then you may be able to consider "personal knowledge". But, I submit, having simply signed them once, would not qualify.

So, the brief answer, in my opinion, is: Yes, you need to see the ID and make the appropriate entries in your journal from the ID presented to you. Not from your previous entry.

Reply by MaryP/PA on 3/20/06 10:02am
Msg #106978

When I get repeats I just ask to see their ID to verify that it is current - I just write the expiration date in my journal - I've been doing this long enough to the point where I am getting repeat signings and I always remember these people and they remember me but I have to follow the law and ID them because I don't "personally" know them. Many times I end up doing the signing for a difference SS or TC than originally.

Reply by Danny_FL on 3/20/06 10:21am
Msg #106985

ID them. It is better to be err on the safe side then end up being sorry because of an evil twin.

Danny

Reply by eXpedN_TX on 3/20/06 3:15pm
Msg #107104

Yes, I have had to go back due to missing docs and I ID them a second time.

Reply by Joshua Basil on 3/20/06 7:16pm
Msg #107206

I always Id the borrowers every time they appear before me. As well as making a new journal entry with a new thumbprint so you have proof beyond any doubt that you saw them the 2nd time and date.
Even if the title of the document is the same, unless you are simply filling out a loose cert. for the same doc that has your stamp already on it, it is a new notarization and you must treat it as such.