Cancel at the Table

Notary Experiences
1

I had a feeling about this one before I even finished printing.

The borrower says “can’t be in the same place as my wife, can you go to where she is and get her to sign after I sign?”

So I tell the signing service I can’t do it without a fee. They have to talk to title. blah blah.

The documents arrive and the borrower’s name is listed 3 different ways throughout the package. There’s a quit claim deed because of the wrong initial thing. So I ask the borrower what the correct name is. He responds, doesn’t matter to me it always happens like that and it’s not an issue for me.

Well - that’s not exactly how it works, my dude.

So I go to the signing service – documents are a mess here’s what the issues are.

They get a message from title - oh have them just correct it at the table.

And I’m thinking - oh this is going to be bad.

Get to the house, vicious dogs have to be put away because no we can’t sign sitting in my car, sorry.

Then we get to the closing disclosure and the borrower says, “this is NOT what I was promised”. I’ve waited 2 months for this to be approved and it is NOT what I asked for”.

So it was evening can’t reach the LO. I look at the borrower - do you want to continue to sign.

No, he said it’s a waste of your time and I’m not going to accept these terms.

So after all that it’s a no sign. Big [Content Edited- Notary Cafe Moderators] package too, I send the SS an invoice.

Not sure how they are going to respond. But I never ever say let’s sign these 173 pages and you can cancel on Monday. I never suggest someone who wants to cancel just sign it and cancel later I think it’s terrible form.

Lousy way to end a Friday. One more to go for the week, today. That was brutal though. The good news is - it was just down the street 6 miles. Glad it wasn’t 3 counties over.

1 Like
2

This has happened to me several times, even the scenario when the borrower isn’t home. But to your point about the couple. I’ve confronted this numerous times. Most of them will sit down like adults and get it done, and some try that same …”I don’t want to be in the same room as him/her.” If the other location is within a few minutes, I’ll honor it, but I will not be put out of my way to do it. Otherwise, I tell them I’m only making one stop and not moving to a second location because it’s not in the contracting order; then I repeat the single address where both parties will meet the Notary. If pushback, I’d offer to meet the other at a location on the main road at a Starbucks or something. I’ve also learned to ask the party confirming the appointment if they’ve seen the CD and have had a chance to review prior to closing, then encourage them to make that phone call to their LO if they haven’t received it. I ask if they’re expecting to pay closing costs at the table. By this point, I would have been told about their pending issues with the closing and if they’re waiting on changes.

3

You can’t ask a couple with a no contact order from the court to be in the same place.

4

If that is the case, the lender would have known before me; and ordered two closings to be scheduled. If it was a recently developed situation, and only I knew; I would alert Title to have a second closing scheduled. I’m not giving up two closings for the price of one UNLESS the other spouse can accommodate meeting me along my route afterwards.

5

The company that hired me didn’t know but doubled the fee when I indicated that was required to go to a 2nd location. Not difficult to handle.

it was for the evening Friday and I still haven’t been contacted by anyone so - oh well.

1 Like
6

Ohhh, I see. I would have handled it the same way you did.