Posted by Lisa/Tn on 5/17/10 8:45pm
Msg #336895

Question about a recent closing

I was told by the signing party that the loan was approved, but the signing agency has resent pages to have resigned again for the 3rd time, the borrower is very upset and made threats..............what to do?

Reply by Linda_H/FL on 5/17/10 8:54pm
Msg #336898

Made threats against who? (whom?)

If not you, put on your best "don't shoot the messenger" voice...tell them you understand their frustration but you've been asked to get this signed as part of their loan, and see if you can get in the door to get these docs signed. Refer them to their LO for any questions about what, why, etc. etc.

If they're getting angry and threatening, you may find it prudent to meet with them in a public place - they may hold their temper better.

If you're not comfortable doing this at all, refer it back to the hiring party with a full explanation - if the docs don't need notarization maybe the LO can take them into the combat zone.

MHO and Good luck

Reply by Lisa/Tn on 5/17/10 11:41pm
Msg #336913

Does any of this affect my cost agreement?
Also does this count as an error if they refuse to meet, or if they push to be more of a threat?

Reply by Linda_H/FL on 5/18/10 5:40am
Msg #336923

Of course it does!! You've admitted the return trip is a result of your errors and omissions (no seal, no signature, no notarization)...you have to go back out a third time because you can't get it right - you should NOT be paid for any of the return trips and I think you're going to be lucky to see payment for the first trip too.

Also, Next time you post a question, it would be nice to give all the facts up front. Although I do still stand by my statement that if you feel threatened either refer it back or offer to meet in a public place.

I'd also like to suggest you go back and revisit any loan signing course you took together with reviewing proper notary procedure for your state - this should not have happened and we can only hope you haven't jeopardized the borrowers' loan.

Reply by Sylvia_FL on 5/18/10 12:17pm
Msg #336947

Lisa
If your errors had caused the borrowers to lose a lock in rate, or caused them any financial problems, they could quite rightly have sued you.
You should always check, double check and triple check your work before sending it back.

Reply by trnsa_IL on 5/17/10 8:55pm
Msg #336899

If you are being paid to have pages signed, and you do not feel threatened by going back, I wouldn't worry about whether the loan has been "approved" or not. I'd just take the work and be happy to have it.

Reply by Notarysigner on 5/17/10 9:13pm
Msg #336901

You should really provide more detail if you want adequate assistance. Like why are to docs being resigned is a good start. Have someone LO/TC explain to borrower why it is necessary before you go. Definitely do not put yourself in harms way if you feel threatened. IMO

Reply by Lisa/Tn on 5/17/10 11:53pm
Msg #336915

That is true, the return to the closing had papers resent each time that were in the first closing, a new one included this time was an all purpose acknowledgment, the first quick claim deed missed having the seal, the second, missed a signing, but why not send just the one page instead of unnecessary pages with the one needed page? this confuses the buyer and makes no sense to all parties.

Reply by DonR_NYC on 5/18/10 12:13am
Msg #336917

Whoa!!! Are you saying that you missed a notarization (all purpose acknowledgment); forgot to place your seal on a doc (first quick claim deed) and then missed a signature (second QC deed)?
If that is the case then the error(s) is/are yours. As for just sending just the one page; that is improper and the TC is correct in sending all pages. How would you know if they intend to place the "new" pages into the proper documents? The seasoned notaries on this site would all tell you NEVER, EVER notarize an incomplete document.

Reply by GOLDGIRL/CA on 5/18/10 12:54am
Msg #336920

First of all it's Quit Claim, not Quick. And unless I'm reading this totally wrong, the last thing you should be worried about is your fee. If, indeed, you missed a notarization, then a signature, then a seal (all on major docs, it appears) you should not be expecting any payment at all.

I can see why the signing parties might be impatient. If you feel your safety threatened, however, ask the signing agency to send somebody else. I'm surprised they haven't already.

Reply by Notarysigner on 5/18/10 8:56am
Msg #336926

stop doing signings and regroup..otherwise

You're gonna get yourself in BIG trouble by making an undesirable name for yourself. IMO

Reply by Lisa/Tn on 5/18/10 8:59am
Msg #336927

time to quit, getting to up in my age.

Reply by Notarysigner on 5/18/10 9:16am
Msg #336930

COME ON NOW....you're not the only one to make mistakes, I have also, worst...but your job is to satisfy the borrower, it's not complete until you do. I have corrected my errors for no additional fee and when paid for the signing anyway, I returned the check. Old age is a blessing, not a handicap!

Reply by Kay/IL on 5/18/10 12:05pm
Msg #336945

Next Time.....

Before you leave the closing, always double check, even triple check your work to make sure that all signatures, seals, initials, dates, etc. are all there. Read the instructions carefully before going to the closing and again when you're doing your quality check so that everything is done properly and you won't have to any make unpaid repeat trips. Believe me, the borrowers do not mind you taking 5-15 minutes to review the paperwork for any missing signatures, etc and appreciate you taking the time to make sure that everything is in place. (Well, at least in my experience). That's part of good customer service.

Now, if the lender, title company or signing service forgot to include something in the package or committed some other error on their part requiring a signature from the borrower and another trip, they should be paying you a return trip fee.

Reply by LKT/CA on 5/18/10 12:18pm
Msg #336948

<<<That is true, the return to the closing had papers resent each time that were in the first closing, a new one included this time was an all purpose acknowledgment, the first quick claim deed missed having the seal, the second, missed a signing, but why not send just the one page instead of unnecessary pages with the one needed page? this confuses the buyer and makes no sense to all parties.>>>

Getting paperwork re-signed a third time sounds like you are too complacent and comfortable - what happens to many Notaries at a certain point. They believe they've "been there, done that" and feel no need to treat later signings with the same attention to detail they treated their first few signings. That can be a Notary's downfall.

You should not get up from any signing table until you've taken the time to go back through a loan package *page by page* to ensure you have not missed any signatures or initials and the notarizations are thorough. I agree with the others - you should not get paid for returning to correct *your* mistakes.....and you'll be lucky if you get paid for the first signing.

The fact that you withheld details up front to give a false impression speaks volume - about you.