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edelske
New York
815 Posts |
 Posted - 02/17/2012 : 8:15:25 PM
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quote:
Originally posted by Dannotary
Ended up going back out there at 8am!!! next day to spend another hr and a half with these clowns with more ph calls and an obstinant attitude to boot. Billed for another trip. Lovely.
Dan,
You are getting more than your share of grief. Hang in there, the tide will turn and you will get some good ones.
Kenneth A Edelstein
Mobile Notary, Apostille / Legalization Processing & Fingerprinting
http://www.kenneth-a-edelstein.com |
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Dannotary
California
265 Posts |
Posted - 02/15/2012 : 11:28:50 PM
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| Ended up going back out there at 8am!!! next day to spend another hr and a half with these clowns with more ph calls and an obstinant attitude to boot. Billed for another trip. Lovely. |
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edelske
New York
815 Posts |
Posted - 02/12/2012 : 9:34:37 PM
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With apologies to Kenny Rogers............
You got to know when to hold 'em, know when to fold 'em, Know when to walk away and know when to run.
Kenneth A Edelstein
Mobile Notary, Apostille / Legalization Processing & Fingerprinting
http://www.kenneth-a-edelstein.com |
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notaryslife
California
348 Posts |
Posted - 02/05/2012 : 11:12:32 PM
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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 |
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LindaH
Florida
1754 Posts |
Posted - 01/25/2012 : 03:50:12 AM
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quote:
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.
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 |
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CopperheadVA
Virginia
420 Posts |
Posted - 01/25/2012 : 03:16:02 AM
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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.
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Edited by - CopperheadVA on 01/25/2012 03:17:52 AM |
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Dannotary
California
265 Posts |
Posted - 01/24/2012 : 11:27:50 PM
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| 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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