Posted by StaceyB/NJ on 6/5/12 9:39pm
Msg #422722

Three Hour Refi - Going to Jump Out Window

From 3:30 to 6:30 I had the horrendous task of dealing with the nastiest borrower ever....ever...THREE HOURS...a simple refi - clean docs...yelled about everything...you name it, she was calling her loan officer, screaming to the point that she was hung up on...twice by the loan officer and then another member of the staff. Three hours...Refi...Three hours...the *(^( was the whole time she was yelling about one thing or the next (a cancellation fee for a line of credit that was mandatory, the way the TIL is set-up...yes...set-up...the mortgage...not specific to her, but in general....she offered me a chocolate to sooth me.... I wanted to jump up and take that box of candy and......erg!

Sit, smile....of course I got it done....but...while I love what I do...a closing like this one just makes me want to rip my face off.

Of course, the following one made up for it...lovely couple from the Philippines....husband cracking jokes...what a joy...he gave me a bottle of Philippine Rum as a thank you...never rec'd something from a borrower...while I had tears of utter frustration building up due to the nasty, mean, purposely horrid woman earlier...the later made me actually get misty because, hey, I do a damn good job.

And you know what too....woo hooo to rum

Thanks for letting me vent. I know of nowhere else that I could. While I'm sort of new to NR, I've been at this for awhile now. Finally feeling comfortable to post. Off for a rum runner

Reply by CJ on 6/5/12 10:06pm
Msg #422724

I know what you mean. I have not had one THAT bad, but some with their own brands of "bad". I come home and I want to cry, get a divorce, kill people, etc. And I'll bet the borrower doesn't give it a second thought about how emotionally abusive they are.

And then the nice people. I feel like I need therapy and they are friendly, funny, kind, generous. Wow.

(And then there are the people who say, "Gee, this looks like a fun, little, part-time job, is it lucrative? There is no way to tell them how horrible or how fun it can be.)

Thank you for sharing about your day.

Reply by jba/fl on 6/5/12 10:28pm
Msg #422727

Somewhere in this process I would have called her bluff, picked up everything and gone to my car stating that they have X amount of time before I drive off, then I will just have to return, and at an increased cost. Then go to the car and call my party to state what I am doing - everyone kept in the loop. Then that wonderful Nook time for those X minutes.

I physically cannot and will not deal with that scene that I consider to be out of control. I will sit through calm negiotiations and discussions but the drama is a no go.

Reply by Linda Juenger on 6/5/12 10:41pm
Msg #422728

Julie, you took the words and entire scenario out of my

mouth. I had a crazy woman like that one time. She was missing her golf game. Hey, I didn't schedule it, the LO did. After about the first 20 min of listening to her rant and rave like a lunatic, I put my pen down and calmly looked at the 2 of them, said nothing, packed my things up. As I walked to the front door, I turned around and said "I will wait 10 min in my car" If you want to sign tonight in a calm manner, I will gladly come back in. After 10 min, if you don't come out and get me, I am leaving. Mr came and got me, got it done in about 40 min and that was that. You have to take control, but in a calm manner but serious manner. I too made the call to the hiring party to let them know what was happening.

There is no way I would sit there 3 hours and be abused like that. We don't get paid by the hour. Normally I am able to keep control and let them know my role in this process and 99% of people understand that.

Reply by jba/fl on 6/5/12 10:58pm
Msg #422729

Re: Julie, you took the words and entire scenario out of my

You gave me a better ending....LOL. We'll combine the two posts and have one great one!

Reply by jba/fl on 6/5/12 11:01pm
Msg #422730

The other thing you do -

if Mr. does come out in 5 min. and you have said 10 min, wait the next 5 minutes. You do not jump for them at this point....no rewarding bad behavior.

Reply by StaceyB/NJ on 6/5/12 11:08pm
Msg #422731

Re: Julie, you took the words and entire scenario out of my

Oh no...I did that...I said look, I have other closings to do...literally I had to excuse myself since..sorry...I do have a life outside of work...a 3:30 worked in perfect for today since I had to take my three kids (7. 5. 3) to a bday party -- yeah to Pump it Up -- at 6pm...no worries...told her, look, all of the things she was griping about...hi...3 day rec...but no...she was a State employee for the Dept of Investment...so..you know...she knows her numbers...(I heard that time and time and time again)....at one point she was laughing saying look at my employees looking in at us...really?!?!? I have had two closings with this one company...fab people...the worst closings...the lender has so many ridiculous 'rules' (if you should shake during putting the date on the doc, it will void it...really!?!?!)

I try to be reasonable, flexible and like to get the job done...the one thought was well, at least not another night at at bday party...the other was...I had to bust my ass to get home and print for my rum-providing following appt.

Full moon?

Linda, as I was on my phone with my contacts as she was shrilling at the loan officer, they said abort....stupid me....this was, at THAT point 90 mins in....said, no, I can get this done. At least I got full rate+, but...again...she offered candy (probably arsenic-filled).

Thanks to all for my vent. My husband -- who of course had to deal with the aforesaid PumpItUp bday party with our three kids...literally as he walked in the door from work...he should be the one downing rum Again, I LOVE what I do....when I worked in-house for law firms as a paralegal, of course, typical 9-5 job. This gives me so much more flexibility...earn a very decent income.

Okay...now since I didn't hit Hallmark as I tried to, now have to scrounge crayons to make my husband an anniversary card for the a.m.....and give him what's left of the rum (note: rum...no...vodka...well, sure, why not!!)

Reply by StaceyB/NJ on 6/5/12 11:12pm
Msg #422732

Re: Julie, you took the words and entire scenario out of my

And yes, I will take the advice if I (God forbid) have to deal with crazy, psycho signer again. So far, never had someone this bad....actually, was a bit on the edge, but considering the signing took place at her office, knew I was at least safe (other than wanting to jump out the 9th floor we were on).

I never had the need or inclination to bail on a closing...thanks for the input on how to advise that hey, I'm outta here....or I'm going to take all your candy, my rum and head-vault

Seriously, I value your input and hopefully (ha!) won't be in a situation where I have crazy-closer issues

Reply by GOLDGIRL/CA on 6/6/12 12:12am
Msg #422736

One size does not fit all

Just because an NSA willingly sits through a 3-hour torture signing session doesn't necessarily mean she/he should have their head examined. I think each signing is different, and depending on many factors, an NSA could choose to bail after 30 minutes or tough it out for the better part of an afternoon, like StaceyB did. These factors depend on the NSA's mood and schedule, who the NSA is working for (a longtime, good paying client vs. a new client you may never hear from again), a sense that the signing will eventually occur or a sense that everybody is just spinning their wheels, and, most important, how much chocolate is being offered to the notary.

I think by now StacyB is feeling no pain from her rum. I don't think she asked for suggestions on how to avoid such a catastrophe in the future; still, there were some great ideas posted. Sometimes we get in so deep that it's hard to know when to pack up our journal, thinking that we've put so much time into the mess already that the payoff has got to be right around the corner....and then, things drag on some more. Veterans have a good idea in the first few minutes where things are headed, how to handle balky borrowers from the get go, where to look & who to call to deal with the common roadblocks to progress. Given the scenario StacyB described, however, I certainly would not have hung around for three hours, no matter how much chocolate was offered (well, maybe a few See's bordeaux; but that would only work for about an hour). Waaaay to much drama and not enough focus on the task at hand. And thanks to years of invaluable posts from NotRot posters, I know how to handle most any similar situation! YAY!

Reply by Gina/VA on 6/6/12 9:26am
Msg #422745

Re: One size does not fit all

I had the most considerate borrowers last night (speaking sarcastically) who decided to read every word line by line, including the DOT which was not much of an issue IF they would not have attempted to multitask. She decided to keep getting up and cook in between reading lines, then allowed their 8-year old to continue to interrupt me when I spoke screaming about being bored. It was a normally 25 min closing that was more than double due to dinner and a daughter.

Needless to say, I take the good as well as the challenges.

Reply by janCA on 6/6/12 10:31am
Msg #422747

Re: One size does not fit all

At that point, I would have asked them if they would like to reschedule at a more convenient time. Rudeness in our present society has become the norm and it really gets under my skin.