Posted by Karla/OR on 10/11/12 5:55pm
Msg #438158
Having a DUMB Attack
Just wanting to confirm what I think to be right:
Name on BO's I.D.: Robert Kyle Lastname
Name on Docs: Kyle Lastname
He goes by his middle name "Kyle" on a day-to-day basis. As long as the AKA DOC shows "Robert K. Lastname" or "Robert Kyle Lastname" then no I.D. issues, correct?
Thanks.
| Reply by JanetK_CA on 10/11/12 6:05pm
Msg #438162
Two completely different issues there:
1) What you can accept as ID for notary purposes. (I wouldn't have a problem with that ID.)
2) What will the lender accept.
The AKA doc will probably help for #2, but has absolutely *nothing* to do with what you can accept for #1. That's up to your state laws and your best judgment ONLY. No one else is putting their signature on that notary certificate.
| Reply by Linda_H/FL on 10/11/12 7:04pm
Msg #438170
No..not acceptable...A/K/A Doc is not
ID for notarial purposes.
I'm afraid you do have an ID issue and I don't know how you're going to get around it. I could not accept that. How can I *assume* that Robert Kyle Lastname is one and the same as Kyle Lastname....certainly not just because he told me so. Depends on how strict your ID rules are.
JMO
| Reply by BrendaTx on 10/11/12 7:46pm
Msg #438186
Karla, I wrote an essay on title name vs. ID name...
then, I decided I was not in the mood to get into a debate about getting a name-matching ID so that you can sell a piece of property.
Therefore, I humbly agree with Janet from the top to bottom of her post.
| Reply by jba/fl on 10/11/12 8:00pm
Msg #438189
Re: Karla, I wrote an essay on title name vs. ID name...
I didn't write an essay, but I do think that perhaps the SS card has a full name that would help to put "Robert" in the equation. This piece of id is usually sought prior to an individual deciding to butcher their photo ID to a nickname or something else to foul their previously laid plans (taking title as).
As Janet wrote, I would accept. The AKA statement is not in my equation for any purpose of identification. To me, the AKA is only to tie all the various and sundry names that people use to the one ID they actually have. And, if they do not use those names, then we omit them via "never known as" to lessen the chances of being tied to another person who also cannot get their sh!t together and decide on who they are.
I grew up in a military family and the emphasis was continually placed on using one name and one name only and remaining consistent until ones dying day....no exceptions. I impart that knowledge as Johnny Appleseed planted seeds.
| Reply by BrendaTx on 10/11/12 8:06pm
Msg #438195
Re: Karla, I wrote an essay on title name vs. ID name...
*I impart that knowledge as Johnny Appleseed planted seeds.*
I will soon sprout with blossoms and flowers.
| Reply by jba/fl on 10/11/12 8:07pm
Msg #438196
I'm going to bed LMAO! Kudos, Brenda! n/m
| Reply by BrendaTx on 10/11/12 8:11pm
Msg #438199
I'm going to bed, too.
I meant blossoms & apples...thank you, Johnny Appleseed of the notary world. I love a good apple.
| Reply by Karla/OR on 10/11/12 8:09pm
Msg #438197
Thanks for the replies everyone. Have not seen the docs yet, i'm going by what the BO said when i confirmed the appointment. Will hopefully not be an issue! Thanks again!
| Reply by SheilaSJCA on 10/11/12 11:22pm
Msg #438251
Would any reasonable person come to the same conclusion?
Knowing what you know, ( address match, photo match, signature match, birthday/date match, physical description match)would a reasonable person be able to be reasonably sure that they are one and the same person? If not, why not?
What would lead you to believe they are not the same person?
If you are reasonably sure that they are one and the same, based on what is presented to you, and what you can surmise from your surroundings, and facts at hand, why would you not believe they are one and the same person?
| Reply by SheilaSJCA on 10/11/12 11:23pm
Msg #438252
Would any reasonable person come to the same conclusion?
Knowing what you know, ( address match, photo match, signature match, birthday/date match, physical description match) would a reasonable person be able to be reasonably sure that they are one and the same person? If not, why not?
What would lead you to believe they are not the same person?
If you are reasonably sure that they are one and the same, based on what is presented to you, and from what you can surmise from your surroundings, and facts at hand, why would you not believe they are one and the same person?
| Reply by VT_Syrup on 10/12/12 6:15am
Msg #438263
Re: Would any reasonable person come to the same conclusion?
If I were in Karla's position, as described on the board, having talked to the prospective borrower and been told orally about the ID, when I walk in the door and look at the ID, I would know:
The ID clearly belongs to the person before me, because the picture, height, weight, and age all match the general appearance of the person before me.
The person before me has physical access to the property listed in the deed or mortgage.
There is no other person present shouting that he is the real property owner.
There have been cases in the past of people impersonating their relatives. Kyle Lastname might be the real owner and Robert might be his son. If the real owner was foolish and gave his son exactly the same name as himself, that 's on him, but if the names are different and I notarize anyway, it might be on me.
There have even been cases of the real owner dying and the sons/daughters filling out deeds as if they were the owners, without bothering to go through probate or trusts.
So I would be looking for some additional evidence I have the right person. In my mind, having seen a plausible but not conclusive government photo ID, that opens the door for me to look at less reliable ID to demonstrate that Kyle really has dropped his first name, such as a work photo ID or credit card with a photo. Or, if the deed indicates how long Robert has owned the property and the age of the person before me makes it unlikely that he could be the son of the owner, that would work for me.
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