Posted by Mike Photon on 11/8/06 12:00pm
Msg #158098

Name Variation

I did a signing yesterday where the name on doc said "Jane K. Doe" and her ID showed
"Jane Karen Barbara-Doe". I thought it was ok since ID had more than the doc and accepted it. She didn't have any ID that showed just "Jane K Doe".
Now I'm wondering if I messed up because of the hyphenated name. Is Barbara-Doe considered the last name or just Doe? (As with all the messed up signings, this was a late night one. )
Thanks,
Mike

Reply by Jersey_Boy on 11/8/06 12:08pm
Msg #158105

I wouldn't worry about it, you did the right thing (in my opinion).

Just make sure you note the difference in names on docs vs. name on ID in your journal.
Three years from now if a question came up, you probably wouldn't remember it...
and your Journal can only remember the things you write in it.

Reply by dickb/wi on 11/8/06 12:43pm
Msg #158114

i concurr jersy boy..iwould have done the same thing....i think he's in good shape as long as he enters the info while it's still fresh in his mind.....

Reply by cassiewi on 11/8/06 12:40pm
Msg #158112

That's what I do but like Jersey said, I always put the whole name on the ID in my journal, and have them sign the whole name.

Reply by dickb/wi on 11/8/06 12:44pm
Msg #158116

damn it cassie you are always 1 jump ahead of me....will you be attending the meeting saturday in the dells?..................

Reply by cassiewi on 11/8/06 12:51pm
Msg #158119

LOL, not really. Yes, I'll be there, I'm official note taker.

Reply by dickb/wi on 11/8/06 12:55pm
Msg #158123

geat..............

Reply by NotaryGirl71 on 11/8/06 2:58pm
Msg #158181

It is quite amazing how many people think their "opinion" is fact on this website.

A hypenated name is in essence ONE name. The loan docs said the borrower's last name was Doe but her ID said her last name was Barbara-Doe. You MUST notarize her as Barbara-Doe.

This is NOT my "opinion"...this is FACT.

Feel free to check any signing agent guide or with the secretary of your state.

Reply by cassiewi on 11/8/06 3:06pm
Msg #158183

My manual doesn't say that, actually it doesn't say a whole lot. Every state is different and I abide by the more not less rule. My response was MY OPINION as to what I DO.

Reply by SueW/Tn on 11/8/06 3:14pm
Msg #158188

NotaryGirl has a valid point

Years ago while married I used a hypenated name, both were my last name. On anything legal I had to sign them exactly. I'm wondering out loud....how about AKA, would that not cover it? Of course TC should direct, haven't come across this myself and had nearly forgotten about my own situation. Mike, please keep us posted on the outcome.

Reply by cassiewi on 11/8/06 3:31pm
Msg #158197

Re: NotaryGirl has a valid point

I disagree. By that logic, we would have to have every borrower sign their full legal name. If thier id says Jane B Doe, she would have to sign Jane B Doe, even if the docs said only Jane Doe? Like I said, I go by the more not less rule. Just my opinion.

Reply by SueW/Tn on 11/8/06 3:36pm
Msg #158201

Cassie, I was suggesting how the name needed to be

notarized. I am merely stating that I had two last names while married and made the choice to have it hyphenated i.e. White-Smith. That entire name WAS my last name per the courts because I elected (like a dummy) to stick the hyphen in. Had I just kept my name and been Sue White Smith I would have been fine but nooooo....I was Sue White-Smith. Make sense?

Reply by cassiewi on 11/8/06 3:40pm
Msg #158205

Re: Cassie, I was suggesting how the name needed to be

I understand what you're saying and it's worth checking into. My state's manual is not very extensive (at all), IMO, I don't see an issue, but like I said, I'll check it out.

Reply by cassiewi on 11/8/06 3:36pm
Msg #158202

BTW Sue

I hope you feel better and your tests come back ok. Sorry I have no advice, but I wanted you to know I everything comes out alright.

Reply by SueW/Tn on 11/8/06 3:40pm
Msg #158207

TY Ma'am

I understand what Susan is saying, this BP thing is really frustrating because the more you worry about it the higher it goes! Ugh! I'm determined though! This community is so diverse that I was hoping I would get some good suggestions, we never know who's walked a mile in our shoes until we ask. I appreciate your kind thoughts, thank you.

Reply by cassiewi on 11/8/06 3:42pm
Msg #158209

Re: TY Ma'am

should have said "hope everything comes out ok". You're very welcome.

Reply by NotaryGirl71 on 11/8/06 3:42pm
Msg #158210

Re: NotaryGirl has a valid point

Thank you Sue

Let me give you info directly from a signing agent book I have...

"The presence of a "Signature Affidavit or an AKA Statement" in the loan documentation is for the benefit of the lender, not the Notary Signing Agent. It is signed to verify that the borrower is known by the other names listed in the Affidavit. These additional names often appear in credit reports and title searches and must be verified to ensure uniformity in the documentation. The borrower must affix his or her official signature for each additional name listed in the affidavit."

"Often a "Signature Affidavit or AKA Statement" will contain additional"one and the same" clause, where the borrower must vouch under oath or affirmation that the borrower is the same person as the persons listed in the form."

"Even though a "Signature Affidavit or AKA Statement" is included in the loan document package, you must still ensure that the signer's name on the document you are notarizing is equal to or "less but not more" (not including hypenated names) than the name appearing on the signer's ID card. You must always base your ID on a signer on the ID card presented as safisfactory evidence, not the signer's sworn work in a "Signature Affidavit or AKA Statment". "

This information is directly from NSA Q & A Real-World Answers to the Notary Signing Agent's Most Asked Questions.

Reply by sue_pa on 11/8/06 4:28pm
Msg #158214

a signing agent guide isn't worth the paper it's printed on for notarial purposes. Your state's laws are your guide

Reply by NotaryGirl71 on 11/8/06 4:31pm
Msg #158215

thanks for your "OPINION" Sue!!!!!

Reply by BrendaTx on 11/8/06 5:45pm
Msg #158232

Re: Name Variation - nope...sue stated a fact. It's the law

that counts...not a signing agent handbook.

Reply by cassiewi on 11/9/06 12:03am
Msg #158323

Re: Name Variation - nope...sue stated a fact. It's the law

I'm checking with the SOS tomorrow, as I said there's nothing in my manual about it. I don't see an issue, if it's more not less. WI notaries only have to be satisfied that they believe the person in front of them is who they say they are. I would be satisfied if the ID had Smith-Doe and Docs had Doe only.