Posted by Roadie_MD on 11/26/10 8:07am
Msg #362793

loose acknowledgements

I have been noticing loose ackowldgements within the document packages. Is anyone else noticing this? If so, are you filling them out? I am hesitant to fill them out without knowing what they are going to be used for.

thoughts?

Reply by Lee/AR on 11/26/10 8:35am
Msg #362794

You are correct. Ignore them.

Reply by John/CT on 11/26/10 8:35am
Msg #362795

Re: loose acknowledgements ... never

Some packages include them "just in case" you fail to complete the acknowledgemnt associated with a particular document. Do I fill them out? Never!

Reply by A S Johnson on 11/26/10 9:01am
Msg #362796

If an acknowldgement is separate, I will make sure some thing make reference to the document it goes with or I write ay the top of the acknowledgement page "Doc Ref: then the name of the document it is attached to".
NEVER a loose Notary Cert/Acknowledgement with out a reference to the document it goes with.

Reply by MW/VA on 11/26/10 9:10am
Msg #362798

I agree. Those loose acks are the equivalent of a signed

blank check. Never.

Reply by James Dawson on 11/26/10 9:45am
Msg #362800

I make ref also because I do fill them out....some are for the "Patriot Act" form where the wording is incorrect
and some are for the borrowers title, certification agreements. I fill them out, I do not staple them but I do show what Doc it references and hoe many pages.....I also draw a line across the back of the docs so the will line up when you turn them over to the blank side.

Reply by kathy/ca on 11/26/10 12:50pm
Msg #362808

I dont get what you mean James, please explain. n/m

Reply by James Dawson on 11/26/10 2:28pm
Msg #362813

Re: I dont get what you mean James, please explain.

>>>>>>>I make ref also because I do fill them out....some are for the "Patriot Act" form where the wording is incorrect
and some are for the borrowers title, certification agreements. I fill them out, I do not staple them but I do show what Doc it references and hoe many pages.....I also draw a line across the back of the docs so the will line up when you turn them over to the blank side.<<<<<<<<<

When I have a loose certificate I take the document it is meant for and turn it over (blank side) I also turn over the loose certificate (blank side showing) and I draw a line across them laying next to each other. Therefore, you can always verify what goes with what by lining them up so the line matches.

Reply by kathy/ca on 11/26/10 3:17pm
Msg #362814

Cool idea James, I like anything that shows we did what was

correct! Thx!

Reply by Linda_H/FL on 11/26/10 4:25pm
Msg #362815

I'm not so sure lenders and title companies are too

thrilled to see their docs marked up that way...this is not something I, personally, would do ... then again, I don't normally use loose acks, especially with loan documents - I amend the preprinted one on the doc to conform to FL law.

Reply by James Dawson on 11/26/10 6:19pm
Msg #362819

Re: I'm not so sure lenders and title companies are too

Is there guidelines for what's on the back (blank side) of Docs? I could draw a stick figure on it and it shouldn't matter.

Reply by Linda_H/FL on 11/26/10 8:17pm
Msg #362839

Those documents are legal documents

You shouldn't be adding anything to them at all - except for your notary certificates...

MHO

Reply by Linda_H/FL on 11/26/10 8:19pm
Msg #362840

Re: Those documents are legal documents....sorry

meant to also say - not only are they legal documents - they're not yours OR the borrowers' - no unnecessary writing or markup should be done on them by anyone...

MHO

Reply by James Dawson on 11/26/10 11:40pm
Msg #362851

Re: Those documents are legal documents....sorry

Okay then, what about on the very edge? come one, those are not rules that apply to anything I've every heard of in California. "Legal documents should be blank on one side". ROFLMAO

Reply by LMS on 11/27/10 12:16am
Msg #362853

Re: Those documents are legal documents

Completely agree with you, Linda!

Reply by kathy/ca on 11/27/10 10:22am
Msg #362865

It is a cool idea when you think about it but like the other

have said, I wouldnt feel comfortable actually doing it. I always staple and if there are restrictions against stapling, I unstaple so the staple marks remain for proof.

Reply by James Dawson on 11/27/10 10:42am
Msg #362868

Re: It is a cool idea when you think about it but like the other

Yes...everyone must establish their own comfort level.

Some even "number" their ACKs which is also cool, of course they aren't adding/changing the Docs are they? Not.

Reply by Susan Fischer on 11/26/10 10:44am
Msg #362802

In OR, we must *attach* a loose cert, so I always staple to

doc. If the powers that be "un-attach," at least my staple holes match up.

Ignore extras in packages.

Reply by GOLDGIRL/CA on 11/26/10 12:03pm
Msg #362805

Re: In OR, we must *attach* a loose cert, so I always staple to

Good idea, James, with the lines on the back!!

Also, ALWAYS staple the LL to the doc. Even if you have to unstaple it before you send it back because of some rule by the lender/TC that they don't want anything stapled. That way when they call to say you never sent an ack/jurat (because they it lost as a result of their staple prohibition) at least the staple holes will be there as proof you did it.

Ignore the extras in the package unless you need them as LLs, which is why they are in there in the first place, I assume. If you don't need them, save them for later use!

Reply by James Dawson on 11/26/10 12:29pm
Msg #362807

GoldGold ...a loose cert, so I always staple to

Another thing Goldgirl.....that are "outdated" anyway. The notary's name is supposed to be printed under the signature line and they often don't even have space for it.

Reply by Yoli/CA on 11/26/10 1:49pm
Msg #362810

Re: GoldGold ...a loose cert, so I always staple to

Just curious, James, where is stated that "the notary's name is supposed to be printed under the signature line?"

I haven't seen that on the SOS website. Is this something new I missed?

Reply by James Dawson on 11/26/10 2:12pm
Msg #362812

Hey Yoli ...a loose cert, so I always staple to

First of all....usually in the closing instructions LOL BUT honestly citimortage, Schwab (which is a majority of what I do) all address that issue. I'll look one up and send it to you. Hope you had a wonderful thanksgiving!

Reply by Stephanie_CA on 11/26/10 5:13pm
Msg #362816

James - I'm not awarethat Notary's name is supposed to be

printed under sig line.
Where in the California notary Public Handbook which covers all California notary Law did you come across this tidbit of info.
Thank you in advance for a response.
Stephanie

Reply by James Dawson on 11/26/10 6:21pm
Msg #362820

OP addresses loose certificates, not me n/m

Reply by Yoli/CA on 11/27/10 11:19am
Msg #362872

Stephanie - I asked the same thing.

James sent me pm and email with attachment in response. Seems one of the ss he works with has this requirement on their instructions and James has simply continued it on his other assignments.

Reply by Lavergne Manuel on 11/27/10 12:16pm
Msg #362873

Re: Stephanie - I asked the same thing.

This may have been mentioned by someone else since I didn't read the whole thread but if I have to use a loose acknowledgment, I lay the acknowledgment and the document it is to be used with side by side and use my embosser where half is on the acknowledgment and half is on the document so it has to match. You can do this at the top as well as at the bottom or any place that you can reach with half of the embosser on one page and half on the other.