Inasmuch as you do not know the borrower, they also do not know you. I had one instance in 15 years when someone asked me for my ID. I gladly gave it her. She also made a photocopy of it as well. I did not have a problem with that as I insisted that she make a photocopy of hers. If I had any suspicion that she would have used it to harm me in any way, I would not have allowed her to copy it. On another note, I have been asked for my Commission Certificate. Unfortunately, the one time I was asked I did not have it with me so I freely showed the borrower my ID and explained to them the process you have to go through with the signing companies to even get the call which includes a copy of your commission. If the borrower was in doubt he or she could always call my contracting company on the closing order(which I always have with me) for verification. I continued by stating that I would not have my embosser if I was not a notary as you have to provide proof that you actually are one. In my state, the notary seal provider has the mailing list of all Notaries commissioned or renewed. They have all the information they need to contact you to sell their products. They, too, have a special license to issue these products. Not just anyone can issue a seal. Legal Eagle Para Professional Services  dfye@mcttelecom.com

Lisa T, once again, I agree with you. I am sent by people related to their transaction and the state /background checks verifies who I am. I still favor a badge though, no rinky-dink laminated ID card on a clip that anyone could make.  Dannotary

WacoNotary is one of its kind first mobile TEXAS NOTARY services which include home closing. It is a 24 hour notary service which deal with all aspects of closing including delivery of document, going through documents before signing, and depositing the documents appropriately after the closing. It does everything professionally and carefully. Notary Signing Agent, Texas Notary A Notary Pulic Texas//   wacono

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Originally posted by pafrealtor
To set your mind at ease, with front door greetings, you might consider getting a PO Box to put on your driver's lic. so signers and others will not be tempted to follow you home or look you up somewhere on record. I always use a PO Box for everything, put in both address and po box with signing companies only. Hope this helps. PAFERNANDEZ

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A simpler procedure to prove your ID, without revealing your address is to show your Passport - it does not have your address. Most people consider a Passport the "gold standard" of personal identification. Kenneth A Edelstein Mobile Notary, Apostille / Legalization Processing & Fingerprinting http://www.kenneth-a-edelstein.com  edelske

Although I have never been asked for my ID, I would not show it! I have a badge and so far in last 5 years its never been an issue. Understanding about borrowers being leary at times given the state of our times, if borrowers have an issue I would advise them to contact their loan officer who has information regarding notary conducting closing. I find it interesting that borrowers would ask for id when they have conducted business with loan officer over phone giving them of their own free will their personal information and "trust" that it would be handled properly only to then have issue on closing day. Jodi L. Gelzer  jlgelzer

quote:

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[i]I find it interesting that borrowers would ask for id when they have conducted business with loan officer over phone giving them of their own free will their personal information and "trust" that it would be handled properly only to then have issue on closing day. Jodi L. Gelzer

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Their concern is knowing who is "walking into their house" - most borrowers seem to assume that their data is safe with all in the processing chain. Apparently they have not heard of the clueless ones who don't bother to shred when they should. Kenneth A Edelstein Mobile Notary, Apostille / Legalization Processing & Fingerprinting http://www.kenneth-a-edelstein.com  edelske

quote:

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Originally posted by jlgelzer
Although I have never been asked for my ID, I would not show it! I have a badge and so far in last 5 years its never been an issue. Understanding about borrowers being leary at times given the state of our times, if borrowers have an issue I would advise them to contact their loan officer who has information regarding notary conducting closing. I find it interesting that borrowers would ask for id when they have conducted business with loan officer over phone giving them of their own free will their personal information and "trust" that it would be handled properly only to then have issue on closing day. Jodi L. Gelzer

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I disagree with you. IME the majority of the time NONE of the people on the other side of the table have ever seen me - not the LO and not the SS/TC scheduler - they've spoken with me on the phone and that's it. And anyone can get a badge made - unless it's issued by the State, IMO it's meaningless (and Florida does not issue badges - they don't even issue state ID cards to notaries). I have absolutely no problem showing my ID to the person who's opening their door to me and allowing me onto their property and into their home. Granted, the fact that I'm standing there with a briefcase full of their mortgage docs should be a tipoff, but telling them to talk to their LO accomplishes absolutely nothing - that LO has never laid eyes on me and most likely has never even spoken to me. I'll show my ID to them (my photo ID as in DL) along with my business card anytime they ask and I understand why they want to see it. However, it doesn't leave my hand and going along with another thread about this, I would not allow borrowers/signers to photocopy my ID. Side note: I've been asked once in 5.5 years for my ID. JMO Linda http://www.columbiacountynotary.webs.com  LindaH

I see no reason to provide a Driver's License. Instead I purchased a laminated Notary Public badge that has my photo and commission number. That should be all that's required. They can confirm I'm listed on the SOS site with my address. As far as I'm concerned the borrower is not entitled to my driver's license info because they could do something with it. Why should you trust your license info to a borrower anyway. We are fully vetted and other than my notary ID if they have a problem they should address it with the escrow company and/or my agency. Sincerely yours, Notary's Life  notaryslife

Did you make it up and if not, where did you purchase or obtain the badge? Thanks, Saul  Saul

I always show my DL at a signing. Having had my ID stolen before and worked at Microsoft for many years I know how easy it is for email and cell phone conversations to be intercepted....nothing electronic is 100% secure. I keep it in my hand (with my thumb covering my address) and show it to them long enough to see my name, photo and to look at me to see that I am who I am. Just a few seconds. Personally I would have a problem with someone coming to my house who I have never seen before, who was sent by a company whose office I have never seen, and thier unwillingness to solidly identify who they are. In most places a utility worker (phone, electricty, gas, etc.,) employee is required to provide photo ID so why would I expect anything less from someone who is dealing with my financial information (or whatever you may be notarizing). Yes those IDs are provided by thier employers. However, you your own employer and I do not know of a state that provides photo ID. It was mentioned that one could make up thier own. Not a bad idea. Although I would caution to make sure that it is legal to do in your state. You may be comissioned by your state and "vetted" by the company that has hired you to do the signing but in my honest opinion that has no meaning to the person you are sitting down with and entrusting you with more personal and potentially damaging information than anything on your DL could.  paulcr

I agree it's frustrating, but at least the guy contacted you to cancel instead of just completely stiffing you. I don't have an office and I meet people at my local Starbuks - there have been times when I go to Starbucks and they don't show up. Doesn't happen often, but it does happen. Very, very frustrating!!! I agree that you should not allow anyone to book that far in advance. I guess next time someone wants to do that, just insist that your appointment system is not set up to handle that and ask the person to call back closer to the time when he actually needs notary services. Sometimes, a particular scenario does not occur to you until it happens. All you can do is learn from it and make sure you don't allow that same thing to happen to you again. I know I have been there, done that! When notaries such as yourself post these experiences, it can help others to avoid getting caught in the same situation. While I was reading your post, my first thought was something that you said you are now doing - just offer general notary services at specific times in your office. That way if they show up - great! If not, then no big deal (not sure if you will be at the office anyway or if you go there only for the specific appointment). In any case, I agree that no-shows or last-minute cancels are extremely frustrating - when they happen to me it seems to happen several times in a row. If the appointment is made several days in advance, I get the person's phone nummber and I do call to re-confirm the appointment the day of or the day prior. I only schedule these for times when I am not doing a loan signing - that's another reason I don't like to book private notary jobs too far in advance. I also let people know that I have business clients that I am "on call" for, and I get their phone number in case I need to reschedule. I have also referred people to my local pack-n-ship when it turns out that I cannot fulfil the appointment as planned. One last thing, I've had the same experience that people say they have documentS to be notarized, and then when you meet with them it's just ONE document. What can you do? I just go on the assumption that only one notarization is needed and if there are more than one, it's a bonus! You are already very lucky to be able to charge $10 per signature in CA - I may charge $5 per notarization here in VA. I charge $10 to meet the people at my local Starbucks plus $5 per notarization. I can usually combine the trip with an errand to run at the grocery store or some other thing I need.  CopperheadVA

I have done a few for them. They pay as agreed. clmillet  clmillet

I just did a signing for them and was paid in 7 days. Not sure if they are the same as the NV company. Amy  16724

Just had to reject a debt settlement signing with these folks for several reasons: 1) One of their agents was rude & impatient with me when I explained that I needed to confer with the powers-that-be in my state before I would sign legal documents stating that I was serving in the capacity of a paralegal. I am a notary, not a paralegal and have qualms about presenting myself as such. I just wanted to be sure I wasn't going to get cross-ways with regulators in my state. The agent got testy with me because I was concerned about safeguarding my professional standards and reputation. 2) They only wanted to pay 1/2 of my standard fee. They initially agree to pay most of my fee, but then sent a confirmation with a significantly lesser amount listed. 3) I have a regular client who contracts with me to provide the same service and pays my full fee. I feel like I would be cheating that client to do the same work for someone else at a much lesser rate. After several phone calls with no satisfactory resolution, I decided these folks were not worth my time. I choose not to do business with anyone who will not support me in my efforts to ensure I do the best job that I can for all of the parties involved. ~*~*~*~*~*~*~*~*~*~ PAMELA RW KANDT Notary Loan Closer Casper, WY pamelakandt@gmail.com 307-377-7763  PAMELA RW KANDT

I have done several for this company and they are always nice, I personally love that they send out an email and who ever clicks first gets the job, and they pay very very quickly. I am not sure where they are located.[:)] Pamela Philyaw  mapsypam

not with this company, but i have had this happen several times. one time, i had an office clerk call me back after her supervisor reamed me out about some of the pages missing and that it must be a notary error. the clerk told me she over heard the supervisor on the phone to me and called to let me know the office fan had blown several pages of my package behind the desk. now, i take criticism from these people with a grain of salt. judy weddke  judyweddle

I had it happen with a different company, where I was told that I didn't send the Note back. They eventually found it. Turns out they had put it in the wrong file, after they had received the package and taken the docs out!  CopperheadVA

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Originally posted by jbelmont
Has anyone worked for this company? Priority Notary Services 1706 Grenadier Drive San pedro, CA 90732

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BGS  BGS

I have done quit a few signings for them. They have always payed and have no issues with them. BGS  BGS

This is a good and fair company. The few signings I have had have been very problematic thanks to the lenders, but Eric is very understanding and more than willing to pay for any additional travel or cancelation(eDocs) fees associated with a signing. While the signings themselves might be stressful, rest assure that if a problem arises, you'll be taken care of and compensated appropriately. Also their fees are not bad. - Tyler -   TGS1985

Yes. They are excellent. www.Flexo-Notaries.com  jlissem

I recently worked with Timios. I found them easy to work with, they paid a fair fee and within 30 days.   Les_CO

I work for them periodically with no problems at all.  LindaJ

Fair pay-docs always on time-would take as much as they will offer.  akarasik

Pay promptly and fairly. Good to do business with.  Harding Goodman

I agree. The pay is fair and on time, and they usually get documents to me early via their website. Good company that I can recommend.  rparker

I've worked with them several times. They have always been a pleasure to work with, pay fairly and pay on time. TN Notary  groberts131

Timios is an excellent company to work with all around  pspence58

Just got a call from them to do a refi for $85. I asked for a $100.00 which I think is fair considering how long the packages are these days. They are shopping me around.  leeinla

I did 3 signings for DataQuick, all at the end of last month. I have also worked for MDA in the past. Yes, it seems to be the same company. Same address and contact name. Angel Cantrall Always on Call   19694

I have two closings for Data Quick tonight. They started out as TransUnion then MDA and now Data Quick.  7227

I've done two signings for Dataquick/MDA. They paid at 30 days. Docs were on time both times. I would do more with themm.  akarasik

They called me today asking me to sign up with them. Pay is low at $90. The gal told me that they get $125 from the TC - I said $125 is my minimum fee. She said, "Do you really actually get that?" Yes I do, sometimes more. We were too far apart on fee so I declined to sign up with them.  CopperheadVA

Lawyers are fairly easy to collect from when you know the right buttons to push. Research how to file a complaint with the Bar Association in the state where the lawyer is located. You will probably have to file a complaint against a specific attorney rather than a law firm. When I file a complaint, I choose the name of the owner of the law firm, who has directed his/her employees to secure my services. Also, be sure to word your complaint appropriately - such as stating that the attorney "failed to fulfill contractual obligations". What I have done in the past is write the professionally-worded letter of complaint addressed to the appropriate State Bar, faxed a courtesy copy to the lawyer's office with a note that I will be submitting the complaint on XX date (don't give them too long). I have had to resort to this twice, and both times I received immediate contact and payment. Or, if you are really mad, just send the letter and let them explain to the State Bar why they have not fulfilled their contractual obligations.  CopperheadVA

I would advise all notaries to STAY CLEAR of this guy. They lie and WILL NOT PAY YOU unless you hound them.....Their excuse...."Oh, the title company never paid us." But once you do your research and contact First American, which is a national company who uses them, paid the file over a month ago. GOOD LUCK! Once you've lowered your standards and start taking orders from a signing company you might as well do yourself a favor and get out of the business. I've been at it for 8 years. Build your business with local title companies and title companies only!  thecloser

quote:

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Originally posted by thecloser
I would advise all notaries to STAY CLEAR of this guy. They lie and WILL NOT PAY YOU unless you hound them.....Their excuse...."Oh, the title company never paid us." But once you do your research and contact First American, which is a national company who uses them, paid the file over a month ago. GOOD LUCK! Once you've lowered your standards and start taking orders from a signing company you might as well do yourself a favor and get out of the business. I've been at it for 8 years. Build your business with local title companies and title companies only!

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  nicolean

I don't get these attacks on Notaries Express. I have been working for them for at least five years and find them to be very nice people.I visited their office in Walnut Creek last month. I have done 20 signings for them in the last two months and have always been paid within 30 days.Steve has been very helpful in answering questions on documents when I am in signings.The pay is in line with the other six or seven companies I work with on a regular basis. They certainly never offered me $275 for a signing!   bcass1934

I agree with the last comment... I don't understand the attacks either. Notaries Express has not only paid my invoices within 30 days, but they are a really nice and friendly group of people. And when I have questions about the job, they answer the phone and are completely patient and upbeat. No fax-backs, they have plenty of business, and they don't squabble about the fees. What more could you want? I really enjoy working with Notaries Express, and I hope they continue to send business my way. Terrie Gillett Notary San Rafael  TerrieG

They are very friendly and have done a lot for them, but everytime they call they try and get me down on my fee and I have to keep re stating what it is and have them re submit the order with the correction or I will stop processing the order. I do not do signings for 85. no matter how many pages it is, the pages are the least of the expenses all the rest stays the same. A word of advice, dont ever let anyone get your fee down for 'less pages' which usually turns out to be just as many pages as any package, less pages does not mean less fee. I have sat for long appts with sellers packages that are only 20 pages, they are worse than a big 130 page one.  Dannotary

I think you guys must work for them or something..... Look, the first time I did a signing for them it took 4 months to get paid with repeated phone calls and emails... The second time, I had to get confirmation from the title company that I would be paid because of what I read online about them (which the package was double the size of what they indicated on the phone) The 3rd time..... Almost 2 months it took and I discovered they lied to me and said the loan never funded but when I called the customer and title company I uncovered their little lie. It did fund! So, When I got vocal about ithe arrogantly laughed it off. Pass it along..... No one likes to be taken advantage of or to work for free.   thecloser

STEVE STOSEN is the owner   thecloser

quote:

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Originally posted by Lisa T.
Erica1203: Lowball fees are synonymous with lowball character and ethics. By accepting lowball fees, this is the nonsense you deal with (ie. "She said they have a no fund no pay policy. If they do not collect from the title company for any reason, they don't pay the notary!"). Lowball companies - who have lowball character and ethics - look for every excuse to keep the Notary's fee. The professional companies I deal with meet my fee without blinking and are only too happy to pay me for a stellar job - within 30 days. My checks usually arrive in two weeks or less. I do not have to chase after money. A professional fee starts at no less than three digits $XXX. WAKE UP, NOTARIES !!! Don't you realize the title company still charges borrowers $200 and up for a loan signing? Don't you realize the TC pays the SS $150 - $175 to find a Notary and when the SS scheduler finds a Notary for $65, they keep $85 - $110 and all they did was make a phone call - to you? You take on all the risk and liability - spend your gasoline, wear and tear on your vehicle, fight bumper to bumper traffic, spend an hour or more with the borrowers - for a paltry $65 and they keep $85 - $110 and all they did was sit on their rear-end at a desk and call you? That is why the lowballers don't call me more than once, as I'll charge a minimum of $125....they want as much of the Notary's piece of the pie as possible. They could care less the risk, liability, expense, and time it takes us to do the signing. Every time, you accept a lowball offer of $65, you are giving away more than half of the fee an SS gets from a TC - and you did all the work and they just made a lousy phone call. And what's worse than that? The lowball company is greedy enough to make up excuses to keep your $65! Wake up, Notaries! Stop accepting lowball fees - charge a professional fee $XXX and get more of the pie that you deserve!!! A professional fee: covers your expenses so you can make a nice profit, is absent of babysitting, and a check within 30 days. A lowball fee: meets your expense and is absent of profit, is full of handholding and babysitting, and you have to chase after your pay. Why would you logically choose the latter?

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Lisa's post gets my vote for 123's Hall of Fame - Terrific wording. Kenneth A Edelstein Mobile Notary, Apostille / Legalization Processing & Fingerprinting http://www.kenneth-a-edelstein.com  edelske

I have worked with Notaries Express for 3 years and have always had a good experience. Steve is honest and his staff is courteous. I have interacted with the same employees for years which means his turn over is low and they are treated well. They pay on time and if I see that something is overdue they take care of it immediately. I consider them a “Bread and Butter “company. What I mean by this is that they give me a huge volume of work. Of course, I prefer to work directly for the title company and charge a premium ($125-200). This is not always possible and if I am guaranteed volume then $85-100 is fair.  hven

quote:

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Originally posted by hven
I have worked with Notaries Express for 3 years and have always had a good experience. Steve is honest and his staff is courteous. I have interacted with the same employees for years which means his turn over is low and they are treated well. They pay on time and if I see that something is overdue they take care of it immediately. I consider them a “Bread and Butter “company. What I mean by this is that they give me a huge volume of work. Of course, I prefer to work directly for the title company and charge a premium ($125-200). This is not always possible and if I am guaranteed volume then $85-100 is fair.

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To get $100 from them it would be a "PiggyBack" of each being over 150 pages with ALL docs faxed back. Either that, or, you live a very remote place (with many signings?) and you happen to be the ONLY notary within a hundred miles of the signing location. Kenneth A Edelstein Mobile Notary, Apostille / Legalization Processing & Fingerprinting http://www.kenneth-a-edelstein.com  edelske

Yes, I did one for them in July and received payment this week. The AP person was out on vacation for a week, so it took a little longer, but I did not have to beg them and they pay well.  civey

I received a check in the mail on 9/10 for a closing completed 8/29!  kimcole132

Please visit our review page about Quality Title Agency http://www.123notary.com/signco-idv.asp?sid=712&Quality+Title+Agency   jbelmont

There is another Quality Title (part of The Jordan Group)out of Eatontown, NJ. I've closed six loans for them and they pay very quickly. Contact info: 2 Industrial Way West Meridian Center 1 Eastontown, NJ 07724 732 460-1920 Pete Miller  7227

quote:

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Originally posted by groberts131
Is this the same Premier Signing Services out of Reynoldsburg, OH? I've done a lot of closings for them and have always received payment within 30 days. I hope nothing has gone wrong since I did 2 closings for them in October and expect payment any day. They paid me for my September closings on time and without hassle. I haven't received any closing from the for November but if they call I may wait to see if I receive payment for any open invoices before accepting further assignments. I am also waiting on payment for two closings. Mr. Miles gave me a closing and promised pay for the one before I did the last. I always complete closings error free and do as instructed for minimal pay from Miles. Guess he will have a great Christmas unlike many of us unpaid notaries. I have contacted title companies tonight for unpaid closings. I just want paid and will never do another closing for Premier Signing. TN Notary

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  klittleton01

Barbara, so sorry to hear Premeir Signing owes you over 600 dollars. I have never posted on here, but after being in business for 3 years, I am fed up with not being paid by companies who think they can get away with cheating notaries. The first few times I got burnt was my own fault. Turns out the company had filed bankruptcy and was still trying to make money. However, I have now been burnt by Premier Signing. They owe me for 2 signing. I did one closing for them on Sept 2nd and Sept 30th; so they owe me $180.00. Both signings werer for the same client. The first for her home and the second on her rental property. I had done work for them in past, but not much. Each time they paid within 45 days, but for some reason, they are NOT paying now. I have sent emails to their accounting department, called and was told they would have the owner contact me, but after 6 phone calls, he has still not returned my calls. Does anyone have the owners cell phone number? Also, good luck Barbara, I do hope we get paid! Lady in Lex  ladyinlex

Time to start contacting the title company, loan officer, and possibly the lender on the files and inform them of the situation that is happening with their subcontractor, and ask for their assistance in getting Premier to pay you.  CopperheadVA

quote:

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Originally posted by ladyinlex
Barbara, so sorry to hear Premeir Signing owes you over 600 dollars. I have never posted on here, but after being in business for 3 years, I am fed up with not being paid by companies who think they can get away with cheating notaries. The first few times I got burnt was my own fault. Turns out the company had filed bankruptcy and was still trying to make money. However, I have now been burnt by Premier Signing. They owe me for 2 signing. I did one closing for them on Sept 2nd and Sept 30th; so they owe me $180.00. Both signings werer for the same client. The first for her home and the second on her rental property. I had done work for them in past, but not much. Each time they paid within 45 days, but for some reason, they are NOT paying now. I have sent emails to their accounting department, called and was told they would have the owner contact me, but after 6 phone calls, he has still not returned my calls. Does anyone have the owners cell phone number? Also, good luck Barbara, I do hope we get paid! Totally fed up as well. I have completed three signings professionally and error free. Premier Signings do not pay. I have contacted Miles as well as accounting and no pay. I did not retire and take a second job to keep my daughter in college for non paying people. I'll never do another job for this company. They are very dishonest. Lady in Lex

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Karen S.Littleton  15716

quote:

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Originally posted by groberts131
Is this the same Premier Signing Services out of Reynoldsburg, OH? I've done a lot of closings for them and have always received payment within 30 days. I hope nothing has gone wrong since I did 2 closings for them in October and expect payment any day. They paid me for my September closings on time and without hassle. I haven't received any closing from the for November but if they call I may wait to see if I receive payment for any open invoices before accepting further assignments. Do you have an email that you send your invoices to? I have sent to all I know and still no payment. Please advise of current email. TN Notary

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Karen S.Littleton  15716

quote:

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Originally posted by groberts131
Is this the same Premier Signing Services out of Reynoldsburg, OH? I've done a lot of closings for them and have always received payment within 30 days. I hope nothing has gone wrong since I did 2 closings for them in October and expect payment any day. They paid me for my September closings on time and without hassle. I haven't received any closing from the for November but if they call I may wait to see if I receive payment for any open invoices before accepting further assignments. Good luck. They owe me for three. Two in the Spring and one in September. Mr. Marvelous Miles said he would be sure I was paid for the other two before accepting the last. Needless to say, I have received no money. Deadbeat company out for themselves. I hope we both get paid and guarantee I will never take another job from them. TN Notary

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Karen S.Littleton  15716

I would like to let everyone know at this time that I have finally received full pmt for all seven past due signings. It did take a draft of the summons I was going to take to small claims court to get these pmts as this is definitely not good business practice. I received the first pmt for my last two signings with them at the end of November and inquired of the first five not yet received. (could not figure out their book keeping?) So I reminded them of the small claims court summons to be filed by the end of the year, and did receive the final check for the full amount on 12/23/2011. I told them I regret not ever doing business with them again in the future as I really did like working with their office crew, Miles, Sue, & Matt. I told them that they were the ones who make Premier worth working for. Hope the others out their have received their fees now too. Barbara Echard  Barbara

quote:

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Originally posted by 15716

quote:

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Originally posted by groberts131
Is this the same Premier Signing Services out of Reynoldsburg, OH? I've done a lot of closings for them and have always received payment within 30 days. I hope nothing has gone wrong since I did 2 closings for them in October and expect payment any day. They paid me for my September closings on time and without hassle. I haven't received any closing from the for November but if they call I may wait to see if I receive payment for any open invoices before accepting further assignments. Do you have an email that you send your invoices to? I have sent to all I know and still no payment. Please advise of current email. TN Notary

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Karen S.Littleton

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  jwsettlements

I have done work for Premier and I have not had any payment issues I just did 2 closings last month should be getting payment soon KLW  mtg

I have a Demand letter I send out to all the companies that dont pay, and I have it cert mailed, and my letter has not failed me as yet. Try It !!! KLW  mtg

Here is a link to our blog post about Safir Signing Agents. http://blog.123notary.com/?p=1847   jbelmont

I haven't been able to get them to respond in over 60 days. I called the LO today and sent him an email to forward to Title. We will see what happens.  15618

Just letting people know that I had to file a complaint with the BBB and Maryland Insurance Administration and finally got paid my $90 after 3 months of trying to get it. It's a shame we have to do this, but now I know better. Haven't ever had this much trouble getting paid, but glad it's over.  17910

Congrats! I've also been working on getting paid for over 4mo. Shannon called two weeks ago to handle a closings for them, that opened up her not paying me and she emailed Jay while on the phone with me to mail payment for 3 closings asap this was Nov 15. I've followed up twice since then the first time he told me check was in the mail and then yesterday told me he would mail check today after I told him I was reporting him to the BBB and his underwriter. I hope I have the same success. But thanks to you I also filed a complaint with Maryland Insurance Admin and now I'm going to the BBB. I work really hard for my money especially now with all the companies cutting fees etc. and to top it off with all the companies that have decided not to pay it's getting out of control.

quote:

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Originally posted by 17910
Just letting people know that I had to file a complaint with the BBB and Maryland Insurance Administration and finally got paid my $90 after 3 months of trying to get it. It's a shame we have to do this, but now I know better. Haven't ever had this much trouble getting paid, but glad it's over.

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Sabrina Sehl  Sabrinasehl

I am happy to report I have received payment today! It was long awaited. Here's to hoping it clears. I really think we need to start reporting these companies, If more notaries report them we might be able to get rid of the non-payers

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Originally posted by Sabrinasehl
Congrats! I've also been working on getting paid for over 4mo. Shannon called two weeks ago to handle a closings for them, that opened up her not paying me and she emailed Jay while on the phone with me to mail payment for 3 closings asap this was Nov 15. I've followed up twice since then the first time he told me check was in the mail and then yesterday told me he would mail check today after I told him I was reporting him to the BBB and his underwriter. I hope I have the same success. But thanks to you I also filed a complaint with Maryland Insurance Admin and now I'm going to the BBB. I work really hard for my money especially now with all the companies cutting fees etc. and to top it off with all the companies that have decided not to pay it's getting out of control.

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Originally posted by 17910
Just letting people know that I had to file a complaint with the BBB and Maryland Insurance Administration and finally got paid my $90 after 3 months of trying to get it. It's a shame we have to do this, but now I know better. Haven't ever had this much trouble getting paid, but glad it's over.

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Sabrina Sehl

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  Sabrinasehl

Finally paid after 4 months AND a call to the title company, who said, "yes I hear this a lot....(sigh)....I'll take care of it." Payment arrived within a week. Darcy J Truppo  DenverLoanNotary

I am not very encouraged by all the postings I am reading about this company! I too have been working at getting my payment for 3 weeks now for a closing I did on October 31st. Kosty never replies to emails, answers calls or returns any messages. I spoke with Jay from Genuine Title today who only told me to fax him my invoice. I have no idea if or when I will get paid. If you have any more specifics about a way to be successful, please let me know!   New York Notary

I, too, have been burned by them! did a signing on 11/30, no phone calls back, no replies to emails. I just emailed Jay, today, will see if he replies.  macheek

All due respect but you notaries need to check out who you're working for. Posts in this thread alone go back to summer of 2011 and there are 3 other threads about this company on this website all about non-payment or problems with payment. Check the companies before you take the jobs - work better not harder and cut your losses from having to chase your money, or chasing it forever and never getting paid. The job done on 10/31/11 and 11/30/11 should never have been taken - IF the person did their research and made informed choices - that's what these forums are for...to protect notaries from predatory services and to help them make informed choices. JMO Linda http://www.columbiacountynotary.webs.com  LindaH

I politely inform unknown or low rated companies that they require an A+ BBB rating AND positive reviews on 123 and Rotary. Lacking proper credit qualification - I can accept their work on a prepaid (to my PayPal account) basis. It does not matter if you have to make this requirement known after you accept the assignment. Just do it in a reasonable time, when you have a chance to do your "due diligence" prior to extending credit. Kenneth A Edelstein Mobile Notary, Apostille / Legalization Processing & Fingerprinting http://www.kenneth-a-edelstein.com  edelske

I've never done business with them, but received an email from them today to sign up. Was looking for info on them.   lightk

If it's the company out of Livonia, MI - they're rated 4.5 out of 5 stars on NotRot - last comment was July, 2010. (I searched here - no info)... Linda www.notarydepot.com/notary/lindah http://www.notary.net/websites/LindaHubbell  LindaH

They are a very reliable company. The staff is friendly. I have worked with them for years and never had an issue. Payment is always within 30 days.  Dileco9170

I've been doing signings for Title Source since June of this year (2011), and I have ALWAYS been paid within 3 to 4 weeks. Their signings are simple and easy, and most times are Quicken Loans as of lately, anyway. They normally have the docs sent directly to the clients, and there is no printing to have to do...so although the pay isn't so great, the signings are pretty easy, and it makes it well worth the trip. If there are any issues with the signing and the borrower doesn't end up signing, they pay half of the fee. If they need you to print the docs, they pay $25 for the print fee.... you just have to remember to confirm the acceptance of the order and then confirm the completion or no completion when you are done, and that is done via the phone on an automated line.  Ruth Simons

Good company. Mostly Quicken loans plus some others. They answer their phones and they know what they are doing. They take care of any issues very quickly. Title Source splits the Quicken loans between themself and JMT. One time issue with one check and got to real person same day who got it taken care of. Packets are neat, short (72 to 82 pages) and ready to go. I've done a number of short fuse requests with printing for them. The printing fee more than offsets my cost. Payment around 30 days. I'll take any calls from them anytime.  cw2usarmyret

They found me about a year ago and have been fabulous to work with. I will do a closing for them anytime and anywhere (within reason). It took a couple weeks to nail down all the phone numbers for contacts but the affiliation has been very good for me. [Today is 2/2, and theirs is the only 1099 I have so far]. They are very efficient and their borrowers are very happy people. EGW  egw91145

My best advice is to research each company that you accept work from as soon as you get off the phone with them or as soon as you receive the email confirmation. If they have a poor repuation on the notary chat boards, then turn the job back in to them ASAP. I did that just today with a new-to-me company. Once I got off the phone with them, I looked them up on 123Notary, Notary Rotary, and Google. Turns out they have a lot of late-payment issues, so when the email comfirmation finally came over, I responded by politely telling them that I must give the job back to them for re-assignment due to the poor payment reviews from fellow notaries. With the ones that currently owe you, try contacting the title company on each job and ask for their assistance in getting XX company to pay you. Keep bugging all invoved. Search the notary boards for collection techniques - there is a lot of good info available.  CopperheadVA

I have done many signings for this company and have never had any issues with payment. Great company to work for.[:)]  907laurel

Been doing closings with them for years with no problems whatsoever. I find that contacting the original scheduler whenever I need to follow up on payment works best for me. It's usually an understandable oversight.   Irene

Irene, how big are their packages? How many pages typically? Thanks! CopperheadVA   CopperheadVA

Bancserv is good, they pay fast. Always a few days after the signing is my experience and their packages aren't that big.   yvonne1134

Good company to work with. John Wells  jpwells

I just did my first Bancserv last Friday. It was edocs and the package was a regular refi with 109 pages. I did get more than the $50+$25 edocs fee that they offer in their notary agreement, but it was EOM and they were desperate calling at 8 PM. The borrower didn't even know we were signing that night until I called him. I had read that their packages are small but I cannot see doing a full regular loan package with edocs for the $75 fee they offer in their contract.  CopperheadVA

Accepted another one from Bancserv. Docs did not come in until after the appoinment time. Absolutely no communication from Bancserv or the TC, despite my calling and emailing. Will not do another for them.  CopperheadVA

I've never had any problems with them. I do an average of 10 signings per month for BancServ; they send docs on time, and ALWAYS pay very promptly. If you say you'll never do another signing for them, you're just cutting your nose off to spite your face...they're one of the best out there. Joni Schmidt  JoniSchmidt

Don't agree - I have many better paying clients that get docs to me well before the appointment time. I know that Bancserv does not pay $125-$150, which is what I regularly get from my other clients and I have less hassle with getting docs. Bancserv maxes out at $100, which I only accepted because the closing was one mile from me. My higher fees are also the reason why Bancserv does not call me often. I don't need Bancserv and will be fine without them.  CopperheadVA

A decent fee can be negotiated with this company ONLY if you are not in a notary-saturated area. If you haven't received a check by 30 days--get on 'em. They also cancel at the last minute more than most.   Lee-AR

Yes. They are easy to deal with. Pay w/i 30 days.  princess

Have handled refis. helocs, and reverse mortgages for them. Done closings for them for years and never a problem.   LSS33

This company is da bomb! They are very professional, make themselves available, pay well and promptly (received check in less than 2 weeks after closing). Their closings will take top priority for me!  LadyK

Always pay quickly. May not pay as much as the title companies and some of the packages are big. But, you can always count on getting paid. I like this company.  KMachen

Can anyone tell me if this company is still good at paying?  sadiemjackson1

Just had to reject a debt settlement signing with these folks for several reasons: 1) One of their agents was rude & impatient with me when I explained that I needed to confer with the powers-that-be in my state before I would sign legal documents stating that I was serving in the capacity of a paralegal. I am a notary, not a paralegal and have qualms about presenting myself as such. I just wanted to be sure I wasn't going to get cross-ways with regulators in my state. The agent got testy with me because I was concerned about safeguarding my professional standards and reputation. 2) They only wanted to pay 1/2 of my standard fee. They initially agree to pay most of my fee, but then sent a confirmation with a significantly lesser amount listed. 3) I have a regular client who contracts with me to provide the same service and pays my full fee. I feel like I would be cheating that client to do the same work for someone else at a much lesser rate. After several phone calls with no satisfactory resolution, I decided these folks were not worth my time. I chose not to do business with anyone who will not support me in my efforts to ensure I do the best job that I can for all of the parties involved. ~*~*~*~*~*~*~*~*~*~ PAMELA RW KANDT Notary Loan Closer Casper, WY pamelakandt@gmail.com 307-377-7763  PAMELA RW KANDT

I have worked for True Concept Title. I received a call for a refinance a day in advance and received the documents within 15 mins of the call. They had no problem with my fee and paid me within a week. True Concept is very professional. I would work for them again.

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Originally posted by jbelmont
Has anyone worked for this company recently? True Concept Title 28100 US HWY 19 N Suite 200 Clearwater, FL 33761 http://trueconcepttitle.com/contact/

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  16664

I've worked for them since last year and have completed 4 closings with no issues and no hand holding. IleneMd  mbs653

They must be associated with Vantage Point Title. They have the same address in Clearwater, FL.  10108

Had a signing for them a couple of weeks ago -- good communicators and I've already received payment. True Concept Title 28100 US HWY 19 N Suite 200 Clearwater, FL 33761 http://trueconcepttitle.com/contact/ [/quote]  Eve

I received a call this afternoon to do a signing this evening. The gentleman I spoke with Nathaniel McCoy was extremely pleasant to deal with. I would certainly work with them again. Janice Evans Mobile Notary of Southern Utah  JaniceE

I contact them last week and was told they only hire through ART. Janet   Janet Philamalee

Not sure what ART is but I am signed up with them and have completed one reverse mortgage signing (initial paperwork) and the pay is good. I have not received my first check yet though because they pay on the 15th and 30th. The package was put together very nicely!   kimcole132

ART is All Reverse Transactions. CopperheadVA  CopperheadVA

I would like to know if people are getting paid by this company. Has anyone gotten paid by this company recently. Or, has anyone been waiting 45+ days for payment from them? http://www.123notary.com/signco-idv.asp?sid=347&Generation+Mortgage+Company   jbelmont

They pay on the 15th and 30th through direct deposit. Every 15th and 30th they send out at invoice for you to fill out and return for payment of all the transactions you completed for them during that time frame. I have had no issues getting paid.  kimcole132

The pay is good. With the direct deposit, it's hard to reconcile what they are paying vs what is owed. I generally have to send an email reminder of signings still owed to me. Money is good, but the pay is slow -- even tho they say it'll be on the 15th of January, it probably won't be until the 15th of February.   lightk

quote:

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Originally posted by kimcole132
Not sure what ART is but I am signed up with them and have completed one reverse mortgage signing (initial paperwork) and the pay is good. I have not received my first check yet though because they pay on the 15th and 30th. The package was put together very nicely!

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I also did a reverse mortgage for them and was impressed at how well put together the package was. I welcome more work from them. I just have to see if they pay. The pay they offered was good as well. Lisa Cirillo  MsLisa

I did several closings in November and December. Their month runs from 25th to 25th of the next month. Paid as agreed. clmillet  clmillet

I get regular calls from this company and have done about a dozen closings for them since December 2010. Payment is extremely slow-I finally received a check for one I did for them the first week of December.  IntegrityNotary

I did a signing for them on Jan 6, got paid on March 7. I told them I was not informed about fax backs, which I charge for. I don't know, maybe it was for the f/b's OR the 60 days to pay, which I loudly protested, but they paid me an extra $10 I did not expect! Thanks, but you are now in my "Do not work for" file. Linda  The Lone Notary

Has anyone heard of this company: Notary Public Network (NPN). You can email me privately. http://www.notarypublicnetwork.com/join/. I got an email from them to join them. I am sure I am not the only one that received the email. Thanks, Lee  leeinla

I am waiting for payment from them now. it has been 30 days. I just called them today and they said the payments from the end of July are going out today. I am also waiting to be paid by another company as well. I have decided to not take any more jobs until I am paid for these two. My phone rang all day today with 4 to 5 companys price shopping closings at the last minute. I do not understand why they do not value a relationship with a good notary and pay them according to how efficient and dependable they are. There system of time spent calling and calling to find a cheap notary cannot be cost effective. I will let you know when i am paid by Loan Processing Center of Kentucky and National Loan Closings.

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Originally posted by libby123
Has anyone had any experience with working with National Loan Closings?

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katrina frye  katrina frye

" I just called them today and they said the payments from the end of July are going out today." Are you serious?? Holy smoke!! That's ridiculous - 90 days to send payment out? Good grief. Linda http://www.notary.net/websites/LindaHubbell http://www.columbiacountynotary.webs.com  LindaH

I worked for them on 8-30-11. They paid me on 11/4/11. They set me up on an auto deposit and said I'd get paid faster. I still got paid by mail and they were obviously still slow.

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Originally posted by LindaH
" I just called them today and they said the payments from the end of July are going out today." Are you serious?? Holy smoke!! That's ridiculous - 90 days to send payment out? Good grief. Linda http://www.notary.net/websites/LindaHubbell http://www.columbiacountynotary.webs.com

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KRenee  Kathryn

I did a closing for them 8-25-11 and got paid 10-3-11 for $90.00.SLLLLOOOWWWW! KRenee  Kathryn

I just did a closing today for National Loan Closings. Never heard of them before and I've been in this business for 10 years. They called at 9 a.m. and offered me an edoc closing for 80$ (that should be a red flag right away) and I told them my fee was 100$. The gentleman on the phone told me he would have to check on my fee and I never heard back. I check my computer at 2:45 this afternoon and they've sent me the closing to take place at 4:30. They did agree to my fee and the closing was a simple package. Now we'll see when I get my check!   esnotary

They always pay at the end of the following month, they never miss a payment, and it took one round to set up the direct deposit. Very good to work for; the fees are what you bargain for. I have worked for them for one year and they are straightforward and dependable and we have a reasonable agreeement. Saul  Saul

These people obviously don’t have a clue about notary related anything, or the NSA business in general. Why would anyone work for someone like that, let alone extend them credit? In my opinion just another deadbeat waiting to happen.   Les_CO

I did not see the red flags which is unusual for me. I did notice the PO box address in Atlanta and the fax number in North Florida on the e-mail and find this unusual. Their request for being a certificate holder is unusual for the notary business or E & O policies and they just don't do it but it is a very common practice for others such as mechanical and business contractors. It doesn't hurt you. The only thing it does is gives the holder notice in the event your policy gets canceled. Some may even request additional insured especially if they carry very high limits (1 mil or more) The request for auto insurance and driver's license is also not such an unusual request for independent contractors. Their liability insurance may require that independent contractors they hire have their own insurance because although not their employee, if they send an unlicensed or underinsured driver to their job and something goes wrong their insurance may ultimately be responsible. If nothing ever happens and at audits they show that they collect such from anyone they use then they get discounts. That may also explain the higher insurance requirement for E & O. If there is not enough insurance then they could be responsible for difference. I would be cautious to be sure the extra insurance is not because they plan on doing wrong and making sure we can cover the "error". As for their ridiculous payment schedule I have no problem crossing out and initialing changes to contracts with anything I disagree with. Add those travel, e-doc, print, no show, and all other fees you want to add to the contract. There is no such thing as non-negotiable fees. You either agree to the fees or change them. If they need you, they will pay your fee or find someone else. LUCIA P. D.  CDLD90

"if they send an unlicensed or underinsured driver to their job and something goes wrong their insurance may ultimately be responsible" That's not how it works. You are not an employee - you are an independent contractor. When acting as an IC, anything that happens while in or with YOUR vehicle is on you - not them. Nor are IC's covered by workers' comp insurance - because you're not an employee. I really liked Jared and wouldn't mind getting in their database. Unfortunately, they wouldn't budge on any of the questions I raised, especially the fees. He said that was it and sorry it didn't work out. If they hold true to what they told me, then if you crossed out the fees and put in your own, don't expect to get called -IF they hold true. Linda http://www.notary.net/websites/LindaHubbell http://www.columbiacountynotary.webs.com  LindaH

Altisource is based in India. Everything they do is through their website. They are not completely up to speed on the order process yet and seem to make a lot of mistakes when it comes to scheduling, the feedback from buyers and real estate agents is not good. The fee they pay is fair everything I have done for them have been cash closings taking 15 minutes at the most. The fact that they are in India is bothersome to me though, they do not speak the language well and are very hard to understand and when you try to explain procedures to follow in this business they really do not understand what you are saying. Just my feedback and opinion.[;)] Dawn Steinhurst Dawn Steinhurst  pslnotary

I agree they may not speak perfect English but they are very intelligent people and they solve the problems even if they need to call you back. The stuff they requested is not so unusual in any other business other than Notaries as far as independent contractors are concerned. They are reasonable requests except for additional insureds on insurance, notary policies don't do that but other insurance companies do without issues. It advises policy holders of lapses in coverage. As for fees being non-negotiable. That is ridiculous. Just cross out what you don't agree with and put new amounts on contracts. They will either accept or reject you. They accepted mine and I love them. They said they would pay me in 30 days. I was paid in less than 2 weeks with no questions. Their online website is great. LUCIA P. D.  CDLD90

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Originally posted by CDLD90
I agree they may not speak perfect English but they are very intelligent people and they solve the problems even if they need to call you back. The stuff they requested is not so unusual in any other business other than Notaries as far as independent contractors are concerned. They are reasonable requests except for additional insureds on insurance, notary policies don't do that but other insurance companies do without issues. It advises policy holders of lapses in coverage. As for fees being non-negotiable. That is ridiculous. Just cross out what you don't agree with and put new amounts on contracts. They will either accept or reject you. They accepted mine and I love them. They said they would pay me in 30 days. I was paid in less than 2 weeks with no questions. Their online website is great. LUCIA P. D.

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Well, all due respect but when I submitted my info I was told the fees they offered were non-negotiable - if I did not agree to those fees I would not be called. As I posted previously, they apologized that we could not agree and I was not added to the database. Linda http://www.notary.net/websites/LindaHubbell http://www.columbiacountynotary.webs.com  LindaH

I did not ask any questions. I wrote on contract and changed the fees and added fees such as travel, cancellation, closed gate, extra signor, evening, no show, pages printed etc. I changed what I felt needed change to make reasonable not excessive. They did request the higher coverage on insurance which i did immediately. They called me and said it was accepted. After signing I billed them according to my schedule and they did not argue a dime. They paid me direct deposit. No problems. They do speak with heavy accent but after a while you understand it fine. They are very patient and explain every detail. Melroy even called me to tell me package was received and he said "Lucia, excellent job on the signing!". It was not necessary but very nice customer service. BTW their wanting everything a la carte increases the total due on many assignments but they save on small assignments. I enjoy their assignments. AltiSource is OK and so far I recommend them.  CDLD90

I went through the "hoops of fire" with Pablo and my bonding company to get approved with this company a few months ago and haven't received any calls from them to date. I was a little put off by their requirements and they accepted the information I submitted but was not exactly as they as they had wanted. Got a congratulatory phone call from Pablo once approved, but haven't heard from them since. It didn't cost me anything except a little time. EGW  egw91145

Sad to say that I decided never to take assignments from them again. They are very disorganized and I didn't mind as long as they paid for it. Lately they are calling me disputing fees they have already agreed to on their contract. The schedule closings, cancel with less than one hours notice, reschedule as a rush, expect me to travel, print hundreds of documents, fedex back immediately, sit at closing and wait hours for a callback with decision on their problems, evening appointments, 2 signers, notarize all paperwork, be available for 4 hours to 2 days as they work out their issues. Call, text and e-mail the Buyers, closer, altisource rep, manager, make copies of clients ID, alot of aggravation, update website several times to show what I have done, etc and then rush paperwork back via fedex and now they expect me to do it for one low flat rate that would not cover my gas and print. My biggest issue was after the signing I was called by two of their employees to please upload my invoice for $90 (I never agreed to this ridiculous fee) for a loan closing that was e-mailed, several hundred pages to print, 2 signers, canceled twice and rescheduled as a rush, travel to busy downtown neighborhood during lunch time, wait for callbacks and then immediately fedex back on a Friday night after 5 pm when closer finally gave me an answer as to whether or not to include another form in package. The strange thing was that I did notice that another notary had already walked away from this assignment as her paperwork was still in the online file. The buyers were a psycho man and his dad with dementia. They also brought along a girl friend, some kids, realtor, several cell phones ringing, eating, drinking , lots of personal conversations, and lots of noise during the entire signing process. What a nightmare!! I uploaded my invoice and asked them never to call me again!!  CDLD90

Responding to the latest by CDLD90: I hear you loud and clear. I was part of their start up and thought it would get better. It never did. The pay was fair for that pilot program run from Atlanta. When they started up in India I never knew what the fee schedule was. I took one signing but and although I got paid on time, when I arrived it was told the buyer was delayed and I could either wait or come back in an hour. This is very typical. Only that I negotiated a fair fee and it was a cash purchase and I hadn't eaten lunch and it was local I followed through. I pursued trying to get someone to answer me. To no avail. Last week, I threw in the towel. A nearly two hundred page file, a closing that I should expect to be difficult (by the broker)to put it nicely and a scheduler that I had problem understanding and a ridiulous fee he said I was going to get. And no one who would respond to my emails. I also said not to call me again. Most of these closing do not go smoothly. Or at least they have not in the past. And that probably is more of a problem or at least as much of a problem as the fees because of the additional time and effort.   Beegee10

Was it a last-minute cancellation - like you're walking out the door and they canceled? Or were you able to print several hours in advance? What I'm getting at is if it was a last minute cancellation, I'd most definitely bill the company for the print fee - you certainly can't be prepared to walk out the door without docs, they needed to be printed and the borrowers were the ones who killed it at the last minute - obviously, last minute you DO have docs printed. However, I've printed too far in advance (without prior warning to TC/SS that this is what I'd need to do) then it's an "I should have known better and waited" moment for me and I probably wouldn't bill. This is why terms are settled before you agree to the assignment. You let companies know up front what your cancellation fee is, including your print fee for last minute cancellations, your no-sign fee, your fee if the loan rescinds, etc etc. In this situation, I'd bill them...but that's just me. Good luck. Linda http://www.columbiacountynotary.webs.com  LindaH

Signing companies make notaries sign a contract with them. But, perhaps notaries should make signing companies sign a contract regarding what your cancellation and printing fees are, and penalties for late payment.   jbelmont

TC & SS should all be 'running a business'. That includes full disclosure of ALL terms/policies. The time for them to 'disclose' (decide?) when they pay, what kind of cancellation fee they pay, what they pay for no-shows/signs/RTC used is not after the fact. I also believe this type of info should be briefly stated on their Order so a NSA can make an informed decision and not have to negotiate each and every item ad nauseum. Tho' I gotta admit that Jeremy has a point...in addition to negotiating above, wonder what they'd do if every notary stated prior to acceptance of an order, that if payment isn't made as agreed, a 5% late fee applies. That's running a business, too.   Lee-AR

To: Linda: It was a last minute cancellaton. I was just getting to know Nicole and worked for her on 2 signings just previous to this cancellation. She is a very high strung, stressed individual and it was extremely difficult working with this type of person. I cut my ties with her right then and there. There are just so many other companies out there that are courteous and respectful and still get the job done in an efficient manner that one can respect. I'm sure you can relate. Jeremy, I will take your suggestion the next time I get a new company! Thank you both. Pat  pjrager1

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Originally posted by jbelmont
Signing companies make notaries sign a contract with them. But, perhaps notaries should make signing companies sign a contract regarding what your cancellation and printing fees are, and penalties for late payment.

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I would LOVE to do that, however I'm waiting until I establish myself well enough in my local area before doing so. That said I believe some of our more vocal and season members already do this or so I'm led to believe. That or they cross out the parts of the contract they don't like and change it to the terms acceptable to them, then send it back. - Tyler -  TGS1985

In my opinion, it is the responsibility of both sides of the contract made by phone to confirm what their understanding of the particular job will be. I respond to the confirmation email from the hiring party with a list of my expectations for receipt of the documents (both size and timing), that payment will be made for cancellation after printing, no show, no sign--anything over which I have no control. Also that I expect full payment within 30 days or a late fee will be charged. I state that if they do not agree with my terms for that particular job, they should contact me to cancel before I contact the signer or print the docs. As said previously, both sides are contracting, and each is responsible to fulfill that contract. Have Seal, Kan Travel! When you need a document notarized, I cover all of NE Oklahoma from I-35 to I-40 to the state borders. Call: 918-798-8908.  KanDoNotary

KanDoNotary, Any way I can have/see a sample of what you send to these companies as far as your expectations? I would really appreciate it if you would be so kind as to share just what you send to them. Thanks.  pjrager1

pjrager1, email me and I'll send what I have. Have Seal, Kan Travel! When you need a document notarized, I cover all of NE Oklahoma from I-35 to I-40 to the state borders. Call: 918-798-8908.  KanDoNotary

YOU have to decide what your time is worth, including the service of clearing jail protocol and waiting..and waiting..and waiting..and you need to quote that fee up front. When I take a general notary call now I tell the people (which I never did before) - "the fee is $10 per notarization and $xx for the service (I say "xx" because it varies depend on where I'm going and when - my minimum is $25). The service fee is payable no matter whether or not I can accomplish the notarization"...if I go to the signers at their convenience, and wait, my service is worth something. I just won't charge for the notarization if it turns out I can't do it. So, all that being said, it's up to you to decide what your time is worth - how much of a service fee do you think adequately compensates you for your time jumping through the jail hoops... Linda http://www.columbiacountynotary.webs.com  LindaH

Thank you so much for your opinion I really appreciated. I thought we could only charge $10 period! So sometimes I just wouldn't even charge. What about like loan documents is there what should I diffently say no to? I have only done a few but there are so time consuming printing out all those documents, traveling and then have to drop off or fax back and I live in california I forgot to mentioned that. Please give your experiences and what you recommend. Thank you in advance for taking the time to inform me.

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Originally posted by LindaH
YOU have to decide what your time is worth, including the service of clearing jail protocol and waiting..and waiting..and waiting..and you need to quote that fee up front. When I take a general notary call now I tell the people (which I never did before) - "the fee is $10 per notarization and $xx for the service (I say "xx" because it varies depend on where I'm going and when - my minimum is $25). The service fee is payable no matter whether or not I can accomplish the notarization"...if I go to the signers at their convenience, and wait, my service is worth something. I just won't charge for the notarization if it turns out I can't do it. So, all that being said, it's up to you to decide what your time is worth - how much of a service fee do you think adequately compensates you for your time jumping through the jail hoops... Linda http://www.columbiacountynotary.webs.com

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  lupeservin

In California you can charge $10 per notarial act for Jurat and Ack. If there are multiple signers in a loan package (i.e. husband & wife) then it's $20 x number of docs being notarized. You can additionally charge for Travel, based on milage round trip, and then factor in the time it will take to prepare docs, travel, sign, review, and drop off at Fed Exp etc. In addition, I charge a fee for printing edocs upto a certain # of pages (say 100) and then another charge for additional pages or borrower set. I have not been asked for fax backs yet, but would charge extra for that also. I personally do not accept loan signings for less than $100, my time, education and experience is worth that and more. I will not accept these lowball signings from signing services for $45, it's an insult. C. Allies  callies

"In California you can charge $10 per notarial act for Jurat and Ack" Although the rest of your statement seems to correct this, this particular statement is incorrect. In CA you charge per signature, not per notarial act. Problem with loan packages is knowing in advance how many notarizations are in the package as it varies greatly company to company and most hiring parties have no idea. Based on experience I assume a minimum 8-10 notarizations/package so for me here in FL that would be a minimum $80-$100 as a starting point - since companies don't like to har those numbers I, technically, discount after the first notarization then add for printing, time, travel, etc etc.. Anyone doing full package loan signings for $45-$50 cannot possibly be making a profit - and they're barely squeaking out a profit at $75/closing unless the signers come to them. JMO Linda http://www.columbiacountynotary.webs.com  LindaH

No! That is crazy what that company told you. In Virginia, we notarize according to Virginia notary law. If they want an ack, then they provide an ack certificate on the document. If they want a jurat, then they provide a jurat certificate on the document. Under NO circumstances do we ever provide an extra jurat that does not go with any partcular document.  CopperheadVA

It is true that Jurats and Acknowledgements in California require specific language, however, if you are performing the notarial act in another state, you must follow the laws of that state, even if the document is being recorded in CA. I am a Notary and Signing Agent in CA. I frequently have documents that have been prepared in Texas for instance, and do not contain the correct language for CA, so in those instances I strike the incorrect language and attach a separate Certificate with the correct language. Also, it is up to the client to determine the type of notarial act required and they should include the language. Never attach a separate doc if one is not included, as that could be construed as practicing law. I also hope that you are administering an oath or affirmation to the borrower in addition to signing and stamping the Jurat. Many times the docs include language such as "I swear or affirm that the information contained in this application is true and complete", which indicates the need to administer an oath. The Jurat language states "Subscribed and sworn to (or affirmed) before me on this )____ day of ______. So, in signing the Jurat, you are confirming that the client did take an oath. Hope this helps.[:)] C. Allies  callies

Your friend is right. And you seriously need to spend some time and do some math. Start with what your gas cost for that 115 mile trip. The man got real quiet because he knew he'd found a newbie who has no concept of how to operate as an Independent Contractor. Do yourself (& the rest of us) a favor and figure your costs AND how much you want to earn for your time before you quote again.   Lee-AR

Lee is right...here's what I consider a good starting point for figuring fees: Most loan packages require 8-10 notarizations - most have more, some have less. You in Utah can charge $5 per jurat or ack - so a package with 9 (median) notarizations has an associated automatic fee of $45 right off the bat. (FYI in FL we can charge $10/jurat or ack so my starting point can feasibly be $90 in this scenario) Now, taking it from there, you tell me if $65 is enough ... $65 less $45 leaves you $20 to cover your time, printing, travel and all other associated costs of the package. I really don't think it does And don't forget this most important fact that is very often overlooked - the fee you accept less your deductible costs is taxable. So you have to figure taxes into the equation to the tune of 15-27% (possibly different now, I haven't looked at tax rates lately) When you sit down and figure it out and all things are taken into consideration, you should still be in the black. If you're not, you're not working at a profit. Linda http://www.columbiacountynotary.webs.com  LindaH

I agree with your friend. Even with my very first closing in 2005, I charged $150 and that included travel of about 45 miles each way. I also agree with Lee, that guy got real quiet because (in my opinion) $100 is way too low for a 95 mile round trip. I might accept $100 for a closing IF it was from a repuatable company AND was located only a mile or two from my home. My regular fees range from $125-$150, sometimes more with excessive travel. I have a notary friend who manages to get even more than that on a regular basis. Since you are located in Southern Utah, are you likely looking at long drives for most every closing? Are there many other notary loan signers in your area? If there are not, you can command a higher fee more easily than someone else who is located in a saturated area. Those lower paying comanies are fine to cut your teeth with, but once you get around 20 closings under your belt, I think you pretty much know what you are doing and how it all works. Attention to detail is the key, and check your work four or five times before sending back so you know that package is perfect. If you find a missed signature, date, or initials then get that corrected before sending the package back. If you make a mistake, learn from it and never repeat it again. Higher fees require perfect packages sent back to TC. There are certain companies that prey on newbies and you will never get them to pay more than $65-$100 no matter how far the travel is. You will have to leave them behind for the higher paying, faster paying, less hassle companies that ARE out there.  CopperheadVA

Here's a link to some food for thought: [url]http://www.inc.com/guides/price-your-services.html[/url] I have a spreadsheet that took some work to do, but in about 5 seconds and 4 keystrokes, I KNOW what fee I must quote in order to be profitable and not working at a loss. I do probably turn down or am turned down on as many as I accept, however, I am NEVER working at a loss. And they DO call again or call back and accept my quoted fee.   Lee-AR

Thank you to all of you...I very much appreciate the advice & information. One thing that you pointed out I hadn't even considered was adding in for the taxes. I can see that I have a lot more to learn & again, thank you for your helpful comments. Janice Evans Mobile Notary of Southern Utah  JaniceE

Did you write out the whole 9 yards? Venue, your state-approved Ack. or Jurat wording--including the name of the person whose signature you were notarizing & date of same, then sign & stamp on the same page? While not as neat-looking, it would be 'all there'. If you just dated, signed, stamped--(which seems to me to be what you said you did)--yes, you should have known better. Next time, use loose Certs. However, the hiring entity does call the shots and most experienced notaries would use a loose Cert. But you say they didn't specifically tell you. Look at it this way: You just had a skill-building learning experience.   Lee-AR

until i opened the package while at the table with the borrower, i did not know that it had been previously signed and notarized by the spouse. that is why i sincerely doubt that the scheduler verbally told me that all notarizations would have to be on a separate sheet, and we spoke frequently over 3 days but only about the package delivery being delayed. what i did was: the name of the borrower appeared before me the date xx-xx-xxxx my signature my printed name state of washington presiding in county of spokane my commission expires xx-xx-xxxx and then my seal. this was done in adequate space below the spouse's signature and her notary's seal. i had another scheduler call me today for a signing i had done the same time as this one, who admitted she hadn't sent all of the relevant paperwork, emailed it to me, paid me to have it signed and notarized and gave me a return label to mail it back to her. and then she apologized to me for not preparing me 100% for the signing. i have to say that i liked working with her a lot better than the other. i did learn a lesson. judy weddke  judyweddle

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Originally posted by judyweddle
i was approached for a signing on the 24th, for a signing the next day, the 25th. docs to be overnited. envelope with documents arrived 26th, just before borrower was to leave for another appointment, so i took the unopened envelope to meet him. the re-fi had been signed by the wife on the 24th in another county with another notary. he initialed and signed his name on the documents, i notarized below the other notary's information, making sure i dated it the 26th and attached my seal. the scheduler called me today and informed me that it was not a "good" signing, that i should have known to take blank acknowledgments with me, that i would not get paid and that i had to notarize the blank acknowledgments, fax them to him and then pay to overnight them to the title company. this is all new to me. i told the scheduler that if this was such an important item, it should have been included in the 2 pages of instructions exclusive to this signing from the title company. he said, that he was sure he verbally informed me of this stipulation. so, my question is: should i have known this before i went to the signing. (as in ignorance of the notary rules is no excuse) judy weddke

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Agree with Lee - if all the correct verbiage was included (i.e. your certs were correct) I don't see the issue other than a cosmetic one. Am curious as to his reasons as to WHY it wasn't a "good signing"? Yes, you should always carry blank acks and jurats with you in your briefcase. You just never know when something's going to happen during any signing (loan or gnw) and you need a replacement cert...always have them on hand. Here in FL his request would not fly - "that i had to notarize the blank acknowledgments, fax them to him and then pay to overnight them to the title company" - he'd have to send the docs back to me and I'd have to go back out to re-visit the signers. No matter - you should not provide loose signed acks or jurats to them without knowing exactly what doc it's being attached to - have him fax or e-mail the docs in question to you for correction (if allowed by your state). Linda http://www.columbiacountynotary.webs.com  LindaH

No..it's not true. If borrowers cancel, there is no cost to them and they are refunded any monies paid prior to closing...as per the NORTC: "If you cancel the transaction, the mortgage is also canceled. Within 20 calendar days after we receive your notice, we must take the steps necessary to reflect the fact that the mortgage on your home has been canceled, and we must return to you any money or property you have given to us or to anyone else in connection with this transaction" Real estate agents are usually only involved in purchases and sales, in which the right to cancel doesn't even apply. IMO the only $3,000 these agents are worried about is their own commission that they probably don't get if the deal doesn't close. JMO Linda http://www.columbiacountynotary.webs.com  LindaH

I thought that if they paid up front for an appraisal and an application fee, that those are not refunded. I could be wrong, but that is my understanding.  CopperheadVA

I wonder if, given these were Real Estate Agents, they were referring to fees that could be demanded by the title agent in the event of a cancelled purchase transaction? I can't begin to explain the "...up to $3,000" amount, but when I worked for a title agent, they would charge cancellation fees as well as redraw fees - with some discretion. I've also seen lenders charge redraw fees, again with discretion. That discretion was usually used to protect the innocent, but put the brakes on the PITA-types of buyers/borrowers who had absolutely no regard for the time/effort/costs of processing a transaction. There are those who will cancel or not show up multiple times, and think nothing of it. Redraw fee would run $250 - 400, never saw anything more than that.  Renee

Redraw fees, yes - I've seen those and they're fees incurred independent of the transaction at hand... The NORTC is relatively clear and I wonder if charging any fees for cancellations is a Reg-Z violation.. I got the impression from the original post that the agents were convinced the people would be on the hook for $3k if they signed their NORTC canceling teh loan...which just isn't the case as I understand the rescission provisions to be. JMO Linda http://www.columbiacountynotary.webs.com  LindaH

None of the docs in a loan package are optional, except *usually* for the ACH form where they sign up for automatic payments (and I've had a few loans where ACH payment was a mandatory condition of the loan). If a borrower decides or gets told not to sign a document (or multiple documents) by someone who is not the lender or title company, or if the signer crosses things out on the docs, at that point I would stop the closing, gather all the docs and leave because there is no point in proceeding. No way is an insurance agent authorized to make a decision about what does or does not get signed in the loan package. As far as I know, loan officers don't get to decide that either. Only TC or lender can authorize that. If you are unable to call anyone, and if the borrower will not allow you to use their phone (I've had that happen once) then I will tell them that it's their choice to sign the docs or not, I will explain the three day RTC, and if they still want to pick and choose which docs they will sign then I will stop the closing and leave. Maybe on a single less important document that the borrower refuses to sign, I would still proceed with the closing and let the title company sort it out later (and of course contact TC as soon as possible and advise of the issue). But if the borrower is refusing to sign or insists on making changes to critical docs such as the DOT and Riders, Note, TIL, RTC, then I don't think the loan will fund and there is no point in continuing IMHO.   CopperheadVA

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Originally posted by Dannotary
Older couple in mansion with 800k loan in a remote mountain location way out of town. Get there on time, they cant seem to be at the table at the same time, stopped for 15 minutes to pay maids and work their schedule, reading all fine print, calling agent, friend, lawyer, tax guy, and ins agent several times each. Agent had them cross out PUD Rider on page 2 of Deed, and NOT sign the PUD rider.Phone not working in that remote location-cant call anyone looks like I wont get paid now or be asked to do it over again for FREE. After 90mins and hardly getting anything done, I had them sign all the notarized ones so I could leave them to work out every page with their agent on the line. I am at next appt and agent calls and wants me to come back up there in when done with the 9pm appt. THen calls back and wants me to go there at 8am next day. Ok. I tell signing co to double bill someone and all the rest that went on. Agent is complaining that they got the paperwork out of order and mixed up. Have half a voice from laryngitis leftover from flu last week.Real fun.

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Agree with Linda. I'd have packed up and left. They don't get to pick and choose, change docs to suit their needs, especially the security instrument and riders. Those riders are there for a reason. Further, by them asking you to return the next day changes the HUD, TIL and rescission dates - not a call you can make without advice from hiring party/title. All of these issues should have been resolved with LO/lender prior to the signing. When I get resistance from signers I politely let them know they can sign and hash it out later or they can not sign - if they're not comfortable with what they see we can adjourn the signing, but I cannot leave any docs with them. JMO Linda http://www.columbiacountynotary.webs.com  LindaH

I've been noticing a pattern lately of people who don't just sit there at the table and sign anymore. They take up a lot of my time taking over the signing into different directions. Unfortunately, we have to adjust based on each situation and not expect everyone to approach the signing professionally. Some simply will do whatever they want. I personally dislike it when they think they can have their 2-3 year old at the signing table whether it's high pitched crying, grabbing for the docs or whatever. It's just nerve racking to deal with. Sincerely yours, Notary's Life  notaryslife

Great story, Mike - another little 'Kodak Moment' in life. I just love this line of work, it really allows - no, it CREATES the most positive and peaceful perspective of the human condition. Hundreds and hundreds of people who, for about an hour, are your New Best Friend. There's something so significant in this, that people - almost always, almost everyone - can be nice, at least for an hour.[;)] I look back at that 'crowd' of people, and think "gee - I KNOW that in that crowd of all my New Best Friends, there are the jerks among us, the dweebs, those with severe victim-mentality, those that cut me off on the freeway, those that flip me the bird because I didn't jack-rabbit off the second the light turned green. They're ALL in that crowd, but ... for an hour, they were all my New Best Friends." So - you take that, and extend it forward. The guy who cuts me off? Eh, well, we all have our failings and weaknesses, but I'm sure that if I gave him a chance - he'd be my New Best Friend, too. Well, for an hour, anyway ...[:D]  Renee

I just love stories like yours, Mike. I, too, in my travels over the past eleven years have seen, heard, and done many things to accomodate a borrower. Renee, your response is so true. We all ought to join together and possibly write a book about our travels and endeavours. Since I have a great passion for fishing and have been known to fish between signings, I always have a rod with me. I probably would have have joined the borrower. There is nothing like the experience of catfish hunting then grilling them right there. Yee Haw! Legal Eagle Para Professional Services  dfye@mcttelecom.com

[:D] Funny story, but... ... it also speaks to your dedication and integrity for doing the job well no matter what. Kudos to you.

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Originally posted by Mikevergere
I was asked to do a signing in a rural area on a Friday night in the middle of the foothills to the Ozarks. I accepted as I usually do. I drove for about an hour before I came to the gravel road which took me to the subdivision which was an even worse gravel road. I finally arrived at the house in totally pitch dark and rain and realized I was at the end of the road. The dogs started coming out of the woods to greet me, and since I've watched the Dog Whisperer religously I felt I had everything under control. I made it to the gravel sidewalk before I realized that I needed to run to the front door. I made it with half of my pant leg torn at the knee and hanging off of my shoes. The lady greeted me and opened the front door saying come on in and take dem pants off and I'll mend em for ye. I went in and soon realized that I was in the "TRAILER DOWN BY THE RIVER". She sat me down on the only bar stool at the devider between the kitchen and the living room. It looked like they had just dressed a deer in the living room except for the 1,000 inch flat screen TV. As it turns out the Mrs. was the only person on the loan but of course the husband had to sign some documents. And as luck would have it, he was on the river fishing for big catfish and wasn't about to come up to the house on the best catfishing night of the month. So after getting everything signed at the house I went down to the river through the woods in the pitch dark, yes with my new companion dog pack, to wait for the guy to come let me in the boat. Well I yelled for him and he finally picked me up and immediately went back out to fish. So there I was on the river, holding documents and a flashlight so the guy could sign some of the documents after I talked him into washing his hands of the worm and fish guts. Well, I think I found a new fishing buddy and thank God I have enough kahunnies to stand tall and walk forward for my customers. The loan closed without a hitch and I learned something about stereotypes. These people were certainly not fitting the mold of their environment at all. They had suffered greatly at the hands of an identity thief and were just escaping society for fear of it ever happening to them again. Both were very nice people with excellent jobs and yes, they still live in a trailer down by the river.

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  macdeux

What a wonderful touching story. I loved it. Thanks for sharing! C  crtowles

I love this post because its so true! Most (I SAY MOST BECAUSE THERE'S ALWAYS THOSE FEW) Most of the people I meet for the 30-50min I'm in their homes I develop a nice connect with, they always tell you great stories of there lives, children just nice friendly chatter and it always feels warm and comfortable, you leave feeling like friends but of course will never see them again, but I alway appreciate the conversation.

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Originally posted by Renee
Great story, Mike - another little 'Kodak Moment' in life. I just love this line of work, it really allows - no, it CREATES the most positive and peaceful perspective of the human condition. Hundreds and hundreds of people who, for about an hour, are your New Best Friend. There's something so significant in this, that people - almost always, almost everyone - can be nice, at least for an hour.[;)] I look back at that 'crowd' of people, and think "gee - I KNOW that in that crowd of all my New Best Friends, there are the jerks among us, the dweebs, those with severe victim-mentality, those that cut me off on the freeway, those that flip me the bird because I didn't jack-rabbit off the second the light turned green. They're ALL in that crowd, but ... for an hour, they were all my New Best Friends." So - you take that, and extend it forward. The guy who cuts me off? Eh, well, we all have our failings and weaknesses, but I'm sure that if I gave him a chance - he'd be my New Best Friend, too. Well, for an hour, anyway ...[:D]

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Sabrina Sehl  Sabrinasehl

what a story! http://www.DianaNotary.com  DianaNotary

yes I ve been to hoarders homes before to sign. Had to sign on the entry hall wall-no available surfaces or walking areas. Whats even worse is when there is no address posted anywhere on curb, house or mailbox, and they gleefully ask you if you had any trouble finding the house!! Well you moron, no, being pitch black out, and no numbers. I actually have had this happen.  Dannotary

I, too, have signed loans in houses of hoarders. One thing I found is that each hoarder seemed to have a workable path. I personally do not have a problem with hoarders. As a matter of fact, once I earn my law degree I plan to specialize in animal law and disability law which includes hoarders. I have learned that many of them are extremely intelligent but have experienced some kind of trauma that caused the problem to exist. My concern with going into the home of a hoarder is health safety. Unfortunately for me, I signed a loan in the home of an animal hoarder and contracted a contagious rash in a place that was not easily accessible to scratch. I have since learned to go fully prepared with a clean change of clothes, some antibacterial lotion like you see in hospitals, dry shampoo, and other items which may be necessary to maintain good health. The same can apply to homes of chronic smokers. Oftentimes, I would go from one signing to another where the next borrower is allegic to cigarettes(as I am). The last thing you want to do is to go on to your next signing smelling like a smoke shop or even carrying some kind of contagious infection. Please be health conscious and look after your borrower. They will appreciate it. Legal Eagle Para Professional Services  dfye@mcttelecom.com

"Sign standing up", "Sign on the wall" ???? Not for me. I require a well lit table to work upon. Those heroic efforts will not be appreciated when title/escrow/LO, etc., finds the slightest flaw or missing initials/signature/date. I understand the desire to accommodate and adapt to the situation. However, I require a certain minimum level of environmental accommodation for me to perform my function. I too have had the situations described in this post. Firmly, but politely insisting upon a proper environment usually works. If the home has no suitable facility; I suggest we adjourn to a Starbucks, or local cafe. I explain that I am the one responsible for the proper completion of the documents - and that not being able to properly see or handle them - makes my function prone to errors and omissions. THEY want the documents completed properly - and either produce a table and lamp; or agree to meeting at a new location. Of course if it's just a very few pages - I can "rough it". But not for a 100 page set of loan docs. The person paying me will not be at all interested in the "signing environment" - only the paperwork. I know, battlefield surgery, in wartime, has been conducted in semi darkness with the mud flying into the open wound. But, our work is rarely "life critical" and as professionals we can insist on a proper working environment - or - just decline to proceed. Kenneth A Edelstein Mobile Notary, Apostille / Legalization Processing & Fingerprinting http://www.kenneth-a-edelstein.com  edelske

I did one of these too. I was so surprised. The house was in a beautiful Orange County gated community. The exterior was neatly manicured landscaping and very nicely kept. Once inside, I was able to step inside 3 feet to a T.V. tray set up in the entry with 2 folding chairs where we signed. The rest of the house was wall to wall over 9' high of boxes, papers and other belongings and what looked like maze entrances heading in 3 directions...1 to the kitchen, 1 to the "office" and 1 to the bedroom...even half the width of the stairway was stacked with stuff on each and every step...really weird!  Shannon

just wondering...if they asked you to take off your shoes.... :) http://www.DianaNotary.com  DianaNotary