Posted by GOLDGIRL/CA on 3/11/13 8:32pm
Msg #460654

Venting (Who, me?)

I once had a signing where the borrower's street name was misspelled. Off by a letter. Can't remember the exact street name but it was something like Elmhurst instead of Elmherst. I notified lender/escrow, who told me to correct it in a few places and send back. Docs dropped.

Somebody got all hysterical and sent me docs back to return to borrowers who were instructed to search through each doc, line through and correct each and every time the address appeared and initial. It was like "Where's Waldo." The borrowers were annoyed. The address must have been in there 100 times. But OK, mission accomplished. Docs dropped again.

Then, someone got even more hysterical and decided a whole redraw was necessary. So, OK re-signed the redraw. Docs dropped third time.

Same lender/escrow recently sent me another loan where borrower's first name on docs and ID were not the same. Something like Bernardodino on docs, but Bobby on ID. Seriously, this big, long formal name on the docs but a "nickname" (?) on ID. Additionally, there was a middle name on docs that was no where to be found on ID. I said no go, and you know what hit the fan. Borrower ticked, lender telling SS to fire me, SS threatening me, demanding "my side" of the story, etc My side? There's no my side. There's one side. He had no ID.
Once again, they got another notary to take care of it. Moral of this story is that they can come completely unglued over one letter off on a street address when it suits them, but when a notary attempts to do their job ... busted! As I've said before, we need to set our own limits on IDing people to protect ourselves, cos nobody else gives a hoot.

And as Hugh once said, you stick to your guns, you'll be working for alot of SSs.

Reply by Kendall Challenger on 3/11/13 8:45pm
Msg #460655

Well said GG n/m

Reply by Calnotary on 3/11/13 8:46pm
Msg #460656

This is something I don't really understand. IF you just sign and notarize any thing they present you you will have a lot of work.

Hey why lenders wants to us to notarize something even if borrowers don't have proper ID?

They don't really care who gets their money they lend?

Reply by Notarysigner on 3/11/13 8:55pm
Msg #460657

I think the issue is, we wear two hats,...one as a signing agent and one as a notary. The signing agent part is who the TC/SS are directing their wrath and and misguided instructions toward.

The Notary part? They think it's transparent. When we tell them we can't do it, they don't care. I had the owner of a SS who was a notary tell me to do something he knew was wrong. I asked him and he said, yes I know but if I don't get it done (he said) I'll loose an important client (provident). I asked him if he know asking a notary to doi something he knew was wrong was a misdemeanor and he said yes. I said okay then, I'm tuning you in to the SOS.

Reply by SReis on 3/11/13 8:56pm
Msg #460658

For those that do succumb to the pressure

Don't be surprised or hurt when evryone (lender/title/ss/borrower) hang you out to dry when things turn bad. There are lawyers out there representing defaulting borrowers who are looking for every and any minor detail to try to get their client out of foreclosure. No one is going to be there to back you up so you better be well insured!

Reply by GOLDGIRL/CA on 3/11/13 9:50pm
Msg #460661

Re: For those that do succumb to the pressure

Exactly, SReis. All everybody wants is that darn loan signed, and they'll threaten, initimidate, whine and eventually fire you if you don't play ball. But if things go south and you're in the hot seat, you're there alone with no defense.

All that may sound a little over the top but I don't ever want to find out. I know that notarial misconduct/mistakes etc. do not invalidate a doc; and there is no law that says name on docs must match name on ID. But if push ever came to shove and lender wanted to know why I let Bobby Smith (name on ID) sign Bernardodino Hanson Smith's loan docs, I's have to come up with something pretty good.

Actually, tho, point of my original post is how absolutely hysterical and fuddyduddy lender can get over one letter off on a street name, but when a notary calls everybody out on a completely different name on docs, well, then, the notary is to blame for something. I think it's a case of they expect us to do what we're told and shut up, and they aren't taking any guff from some podunk notary.

Reply by Lee/AR on 3/11/13 11:23pm
Msg #460674

Sad, but true.

Have lost some business over the years over junk like this. But it does sort the good guys from the bad real quick.

Reply by Buddy Young on 3/11/13 11:43pm
Msg #460677

I recieved a call a while back for a rush signing. I told the caller that I was working in the yard and didn't have time to clean up. The caller said that's ok they're waiting for you. So I guess it's ok to wear geans if it's convienient for the SS. The rush signing was for the widow Hilda Davis, I think she wanted me to notarize her signature on a check for Hugh.

Reply by Karla/OR on 3/12/13 4:17am
Msg #460694

LOL!!! n/m

Reply by jba/fl on 3/12/13 9:52am
Msg #460717

How clean were your nails while you were pointing? Once I grabbed a few errant weeds on the way to my car and was shocked at the signing table. LOL

Reply by BobtheElder on 3/12/13 8:42am
Msg #460705

Been on the receiving end of that a few times. One reason the industry is in such a mess is that they really don't give a d@mn about the important stuff, and even when it bites them down the road they never do wake up... they act the same way when they're trying to forclose and they wonder why courts throw their crap out....