Posted by JimAZ on 5/17/12 5:57pm
Msg #421166

Borrower from HELL

Contacted borrower on third attempt to confirm time and place
BR: I didn’t call you back because I don’t want to pay toll charges (same area code in AZ)
ME: OK, thanks. And I confirm time and place.
Arrive at signing.
BR: gives me original and copy of DL
ME: Thanks
BR: You’re going to run my driving record, aren’t you?
ME: No, the copy will be sent back with the loan package.
BR: NO, I know you’re going to run my driving record.
ME: Would you like to call your LO to confirm what I am saying?
BR: NO, I don’t need to.
Start with HUD
BR: There aren’t supposed to be any costs to this loan
ME: Correct, on the HUD here is the loan that’s being paid off and here is your new loan. Here are the settlement charges and here is a lender credit for the settlement charges.
BR: But there aren’t supposed to be any costs.
ME: There are no costs. The settlement costs and the lender credit net to zero as I pointed them out on the HUD.
BR: I don’t like the format of the HUD document so I won’t sign it.
ME: Are you refusing to sign?
BR: No, but you will have to take me through all the numbers in that (points to loan package) before I will sign anything. That’s your job!!!!
ME: Perhaps you should call your loan officer for some clarification on the numbers and my roll here.
BR: NO, it’s your job and I’ve been lied to before and that’s exactly what you are doing.
ME: This signing is aborted due to your refusal to sign.
As I am leaving she is screaming at me all the way to my car that I am “Crazy”.

I reported this to the Title Company and received a print and trip fee. In over three years this is a first and hopefully a last.

Reply by Shoshana/AZ on 5/17/12 6:38pm
Msg #421174

Perhaps she was out in the sun too long?

As you know, It's really easy to fry your brains in this heat!

Reply by JimAZ on 5/17/12 8:31pm
Msg #421186

Re: Perhaps she was out in the sun too long?

Good Point - LOL - Perhaps I should include a question in my standard confirmation call regarding "refried" brains.

Reply by MW/VA on 5/17/12 7:18pm
Msg #421177

WOW, and you kept your cool through the whole ordeal.

Good call to leave since safety is always no. 1, and that was questionable in this situation.
I know it's a skill requirement in this biz or any other in knowing how to handle difficult situations & people. I think you handled this very well. :-)

Reply by BrendaTx on 5/17/12 7:58pm
Msg #421180

Definitely crazy...but, I have never shied away from going down the column of numbers on a settlement statement. But, if you had, it would have just been something else...better to cut your losses and move on!

Reply by HisHughness on 5/17/12 8:02pm
Msg #421182

I interpreted what the OP was saying to be that the borrower would not sign <anything> until every single document in the packet had been explained, and the numbers verified.

Reply by jba/fl on 5/17/12 8:07pm
Msg #421183

I thought as much as well - as Brenda said, better you left. n/m

Reply by BrendaTx on 5/17/12 8:31pm
Msg #421187

Ha.

Since, I interpreted it a little differently than you 2 did, I am going to
-take it personally
-be indignant
-hit the Report button
-write Harry, Tracy, and Griff
-fax them until they call me
-hang up on them and then slam my cell phone down and probably break it
-post disconnected angry references about this on Facebook
["OMG OMG OMG" "OH, H3LL TO THE NO." "Aw, h3ll no they didn't just say that"
and tell anyone who asks what's wrong, "some things are just too private to talk about"
-cannon ball a glass of wine (no, seriously, I am)

Reply by HisHughness on 5/17/12 9:28pm
Msg #421192

No big deal. I had five women in my household.

I could expect that sort of thing...periodically, so to speak.

Reply by BrendaTx on 5/17/12 9:34pm
Msg #421193

My grandfather always said that the best thing to do was to

grab a broom, keep his mouth shut, his head down, and sweep the floors with great purpose for a few days.

Reply by jba/fl on 5/17/12 10:35pm
Msg #421196

My dad spent a lot of time at the Rod & Gun club w/5 in home n/m

Reply by linda/ca on 5/18/12 1:52am
Msg #421206

Re: No big deal. I had five women in my household.

"periodically," Hugh? I caught that one! LOL

Reply by C. Rivera Chicago Notary Services on 5/18/12 11:05am
Msg #421234

LOL Brenda...excellent! n/m

Reply by JimAZ on 5/17/12 8:24pm
Msg #421185

You are right and that's when things started going sour. I reviewed page 1 & 2 of the HUD in detail with the BR. She then wanted to know what the monthly payment was so I showed it to her on page 3. She then compared the monthly payment to the lender credit and demanded to know why the difference. This was going nowhere very quickly and she was not interested in any answers.

Reply by sueharke on 5/19/12 1:01am
Msg #421299

As I understand it, in CA that is considered giving legal advise and not allowed by notaries? My understanding is if the signer does not understand a document, he or she needs to talk to the loan officer for clarification. Am I misunderstanding CA law?

Reply by aanotary on 5/17/12 9:27pm
Msg #421191

Every once and awhile we all have one. I had one so bad last month that I was only a 1/2 a mile away when I realized I had left my jacket. I decided he could keep it- I wanted out of there and did not want to see his smiling face again! Guy was not even polite enough to call me and tell me it was there. But I knew - and decided I would rather buy a new one!

Reply by jba/fl on 5/17/12 10:34pm
Msg #421195

OMG, OMG n/m

Reply by C. Rivera Chicago Notary Services on 5/18/12 11:01am
Msg #421233

Holy cow! You got out in the nick of time..surprised she

didn't throw a shoe while you were leaving!