Posted by Jersey_Boy on 10/17/06 8:48am
Msg #152963

Have you ever left the table?

I am curious to know how many of you have just "up and left" the closing table. If so, what was your reason? Crazy nasty borrowers? Rabbid Dogs? Hostile Situations?


I've only done this myself once sometime last year. The non-borrowing spouce was not informed by her husband that the house was getting a refi. She argued with him for about 15 minutes. When things started getting thrown, I just got up and left.

Anybody else?

Reply by Poppy on 10/17/06 9:02am
Msg #152965

What did hubby say when you left?

Reply by Jersey_Boy on 10/17/06 9:08am
Msg #152966

They were never given an opportunity to say anything. They were in the Kitchen screaming at eachother. As soon as I saw thing getting thrown, I packed up my stuff and walked out without saying a word.

Reply by Poppy on 10/17/06 9:22am
Msg #152969

Yikes, that's scary. Glad you made it out okay...

I asked because a friend of mine called me to vent the other day. Seems like she had a similar signing only she stayed and completed the job.
When I questioned her as to why on earth she stayed she said when she tried to leave the husband started yelling at her so the wife caved and decided to sign. The wife insisted that everything was fine and she was ready to sign.

We had a long talk about our duty (obligation whatever you want to call it) to make sure that signer is signing of his/her own free will.

Funny, I've known her for quite a while and we usually see eye to eye on these things but she didn't think the wife was forced and she was very clear and logical about her decision to continue. She almost convinced me that it was okay. I guess some of what we do depends on our own life experiences and comes down to what we think is right or wrong.

Reply by Tracy_ME on 10/17/06 9:15am
Msg #152967

I came very close a few weeks ago. When I arrived at the bo's there was a third person there. He was the mortgage broker. The rate was wrong, the terms were wrong, the escrow was wrong...everything was wrong. I sat there for 1/2 an hour while the bo's and broker discussed the situation....nothing was being signed.

The bo's went outide to discuss. I called the ss and told them - I was leaving in 15 minutes unless the signing commenced. I let the broker know that I was leaving as well. This situation should have been handled before I came with the docs. The signing should have been pushed out an hour or two to give them ample time to discuss in private. The broker wanted the borrowers to sign the docs and "give the mortgage co until November 1st to straighten out the problems" (???).

When the borrowers came back in - I explained the 3 day RTC. The broker was very unhappy- he actually blurted out "NO".

It was my full intention to get up and leave if the doc signing did not begin.

Reply by MelissaM_FL on 10/17/06 9:29am
Msg #152971

I left a signing last year. The non-borrowing spouse was an elderly gent who had no valid identification. I was willing to use credible witnesses, but had to phone title to clear that with the lender. While I was on the phone with title explaining the situation, the wife became extremely upset. She began yelling at me and calling me names, then she turned and went down the hallway (I assume) toward her bedroom. The guy at title asked "What's going on?" and, when I told him, said "Get out of there NOW!"

I ran to my car and the wife followed me outside and beat on my car as I was backing out of the driveway. To my knowledge, that loan never did get closed.

Reply by LisaWI on 10/17/06 10:06am
Msg #152974

Yes, just last week. But because the the husband did not listen to his wife and left his ID in his wallet in his semi truck which was in Minnesota. I have yet to leave because of nasty situations, but have been pushed. Good thing, I have a high tolerance level. Im quite sure my time is coming

Reply by Nick Alonzo on 10/17/06 10:15am
Msg #152979

Yes -- the borrower/husband was a doctor, there was a fairly large discrepancy in the total amount of the loan. The husband started scribbling all over the documents working out the figures and when I asked him to please mark only on the borrower copy he nastily stated that they were his documents and he could do what he wanted with them. I was holding the HUD at the time and he grabbed it out of my hand. I decided it was time to leave. The SS was okay with it when I explained the situation. I told them I would be happy to give the docs to another signing agent if they wanted to try again.

Reply by Ernest__CT on 10/17/06 10:29am
Msg #152986

Yes; twice.

The latest was the cause for Post 142716 (assaulted by borrower). The other was a man who refused to stop drinking alcoholic beverages during the signing.

Reply by MC_oh on 10/17/06 10:34am
Msg #152990

I was very close to leaving, and in fact packing up, just last week. The non-borrowing spouse did not want the funds to bo being deposited into the husband's account. An argument commenced with the husband calling her every name in the book, and the wife declaring the marriage to be over. It was pretty ugly, and I was afraid it would turn violent.

Somehow, they settled down and I finished the signing with the point and sign method.

Reply by Charm_AL on 10/17/06 10:34am
Msg #152991

not yet, but close the other day when I was asked why I 'needed' to sre a photo i.d., then asked what I was doing there if I couldn't answer any why questions. Glad when that one was over.

Reply by Dorothy_MI on 10/17/06 12:55pm
Msg #153035

Yes, Twice

First time was to settle an estate. Involved two step sons, one biological son, 2 wives and one live in girl friend. One of the step sons and his wife (mother married deceased when both boys were very young and this was only "father" they knew), was buying the house from the biological son and his brother (other step son). The other step son's "live in" couldn't understand why she wasn't a party in the transaction and gave me all kinds of grief before I even got there. Told me she was married to step son. I called Title and after some investigating they told me that no, they weren't married, just cohabitated. The bio son's wife had just given birth to a baby 3 days before so you know what she was like with all those hormones surging through her body. Think the base line was that bio son felt that because he was the natural son he shoud have been willed the place by himself. A big argument ensued at the table. I actually thought that they were going to get physical, so I gathered up my papers and walked out of the house. The man that was taking out the loan came running after me and said, please don't go. I told him he had 15 minutes to get it all sorted out. They had all followed him out and I heard him say, "Dorothy is leaving if we can't settle this". I waited in the car and whatever he said to them, they came back in and signed.

The second time, was a mother that had placed her unemployed son on the deed. She was refinancing and wanted to get him removed from title. He refused to sign Quit Claim Deed and they got in a big argument. I called SS and told them what was happening and they told me to leave. They stayed on the phone with me until I got in my car and out of the driveway.

Reply by MA_SA on 10/17/06 2:35pm
Msg #153069

Re: Yes, Twice

i left once because the borrower was all upset at the loan terms which were wrong. she said she understood i didnt do the loan and i was a notary only, but she kept yelling at me, and threatening to take my liscense away, so as soon as she did that, i just up and left (and accidentally slammed the door, it was on the hinges very loosly) and she was swearing at me hardcore as i left.

brian

Reply by Gary_CA on 10/17/06 2:48pm
Msg #153077

Hmmm...

JMHO... but it seems to me that several of the folks that responded waited a good bit too long before leaving... making me wonder if others didnt leave at all when they shoulda...

Not to be sexist or anything, but many of you are of the fairer sex... and those of us who aren't still aren't bullet proof.

Not worth $XXX to take a trip to the emergency room, much less a ride in a Cadillac station wagon.

When the talk gets violent, or just plain way too disrespectful, time to say goodbye... before things start flying.

Reply by christiSocal on 10/18/06 2:19am
Msg #153248

1... Mrs borrower was bi-polar

Fun signing all the way around. First the ss sent me last minute docs (of course), with same last name, but wrong borrowers! Different state even. Ran back home, printed right docs. Once I got back the mrs did not like terms, called the LO and screamed and ranted at her. Told her to get back to her office NOW (it was 10:30pm) and fix the loan the way she wanted it. I did end up leaving although she never yelled at me. I did find out a few weeks later someone left a cow heart on her porch. She musta ticked someone off!