Posted by James Dawson on 9/10/10 10:12am
Msg #352153

Extra ACKs and Jurats

I'm starting to notice in increase in the request for extra ACKs and Jurats in loan packages and I know there has been previous post about this. What I didn't read was whether anyone was completing them. I have not been doing this and wondering if I'm on the same page as everyone else.

If you do it, why? or if you don't why?

Thanks in advance.

Reply by Linda_H/FL on 9/10/10 10:17am
Msg #352154

James..if you read all the posts about them

Some return them blank (that's what they asked for), some remove them and don't send them back....but I don't recall seeing anyone say they complete them and return them. Because, at least in FL, and I believe in CA too, it's illegal.

Reply by Susan Fischer on 9/10/10 10:38am
Msg #352162

Illegal in Oregon too. Loose cert *must* be attached to doc. n/m

Reply by JanetK_CA on 9/10/10 3:40pm
Msg #352204

Can't imagine it's legal in any state- for all reasons given n/m

Reply by Stamper_WI on 9/10/10 10:18am
Msg #352155

Pretty clear why not. What are you acknowledging? What is it attached to?
My loose Ack's and Jurats all indicate what document it is attached to, how many pages it is and the signers names that signed it.
Think of the consequences if it was attached to a fraudulent document with out your knowledge.

Reply by Marian_in_CA on 9/10/10 10:18am
Msg #352156

Nope... I don't. A notarial certificate needs to be connected to a signature(s) on a specific document. One reason: Think about our journal requirements (at least for CA). Each journal entry needs to note the nature of the document, right? How can you note that if there is no document attached? Supplying "extras" is asking us to perform an improper notarial act -- and thus illegal (in CA).

I simply ignore and discard them. Nobody has ever complained.

Reply by Lee/AR on 9/10/10 10:19am
Msg #352157

Right. Don't do them. Mostly because you'd be notarizing nothing and also it could be attached to anything. Toss 'em or just leave 'em untouched & return in pkg. I've done both with no repercussions... they know it's wrong.

Reply by James Dawson on 9/10/10 10:25am
Msg #352158

Okay, that's enough "whys" for me..thanks all! n/m

Reply by FlaNotary2 on 9/10/10 10:51am
Msg #352165

Maybe the company figures that, the notaries who don't know what they are doing will have probably made a mistake in the package somewhere, and those same notaries who don't know what they are doing will see no problem in sending a few "extra" certificates; whereas the notaries who know what they are doing will know that they can't complete the "extras" and they will probably not have made a bunch of mistakes.

But, they get what they pay for... if they want to pay $40, then they will get a $40 NSA.

Reply by parkerc/ME on 9/10/10 11:06am
Msg #352166

I've applied my own rationale to the extra blank cert(s). That if we need to use them for any of the docs due to an error we make on any cert, or if any cert cuts us short on space, that is an extra to use (but just make sure you tie it to a specific doc). I carry my own extra certs so never use those blank ones and I return them (blank) with the docs.

Reply by MW/VA on 9/10/10 1:41pm
Msg #352184

IMO, it's like signing a blank check, only worse. No, I

don't complete them.

Reply by roxierox/TX on 9/11/10 6:34am
Msg #352290

Are these just blank ACKs and Jurats? If so, I would not notarize them. No way. These could used later on for who knows what type of document. If fraud is involved, you will be the one in trouble because it will be your signature and stamp.