Nonsensical forms

In my varied career, I was a productivity analyst (1979-84) and one of my responsibilities was forms [re]design for the independent banking industry. In those days, I learned a ton and became proficient at eliminating all the non-essential wording/copy/lines/marks/symbols/etc. found in the forms in use at that time. There were no PCs on everyone’s desks back then so every decision about a form change had to be really thought through.
I get the hives when I look at the forms that lenders/title/escrow use with all the non-sensical {Seal} (where “stamp” should go, if even needed?) or “Affiant Further Sayeth Naught” (although, I kinda like saying that to signers) and all the other junk on forms that seem to have no relevance today. I wonder what y’all think is crazy on forms. How about sending in your favorites - y’know, just a sample with a brief remark. Let’s have a little fun on this forum for a change. :winking_face_with_tongue:

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@Bobby-CA The “funny” form that arose post-Mortgage Fraud Era was the letter-size document for the Borrowers [BOs] to execute stating that they understood they had to make payments on the loan that was being created.

===>>> This gave me cause for pause at that time . . .

REALLY?! The BOs needed to execute an explicit statement that they understood that payments needed to be made . . . after undergoing the entire lending process leading up to the Signing Appointment?!

Oh Boy! It was too funny & simultaneously pitiful!

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:swan:

Yeah, and I’m doing today an assignment that has four identity worksheets and three! different mortgage fraud FBI notices in it. Somebody’s scared :hot_face:

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@Bobby-CA Your experience directly mirrors the contents of the document packages I receive as well. :woman_shrugging:

The BOs usually will verbalize their consternation of executing “the same document” multiple times . . .

:swan:

In some states, like mine (Vermont), the concept of a document sealed with a personal seal still exists; see 1 V.S.A. § 134. So if the word seal is near the signers signature, it serves to turn an ordinary instrument to an instrument under seal. This is totally separate from the notary’s official stamp.

Is Vermont a state? (Just kidding - I live in the People’s Republic of California; The only seals we have die on the beach).

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@Bobby-CA . :rofl: :rofl: :rofl: .

“Affiant Further Sayeth Naught” have you had signer ask what this means? When I go to signing with this language in docs, I bring plain paper definition so they understand terminology.
Further Affiant Sayeth Naught Law and Legal DefinitionFurther Affiant Sayeth Naught is a centuries-old statement that is still used on some legal documents such as pleadings as the final declaration prior to the affiant’s signature. It means that the person testifying or having given a written statement has no more to say about the matter before the court. Since much of the US legal system comes from that of England’s US still have archaic language that’s used sometimes

“Acordid & agreed”

Funny!! I was born in Berkeley CA aka People’s Republic of CA and went to college there in the 60’s. Love the seals comment for CA but living by water in WA seal population has increased so lot more “seals”. :upside_down_face:

Reminds me of a cartoon I saw long ago. Picture this: Baby seal crying to his mother. Caption is “Ma, Mikey called me a Notary Seal!”
The ‘sayeth naught’ phrasing is similar to the ancient ‘ss’ used after the State/County venue. It is known as a scilicet and means m/l – to wit, namely, specifically–and pertains to whatever follows. How they abbreviate a word with 1 S as ss has always mystified me.

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I’m with you on this one. Sometimes I look at the notary certificate and I’m like “what were they smoking when they wrote this?” Some of the certificates sound absolutely ridiculous when you read them out loud.
And yes, having the word “seal” typed where your notary stamp goes is ridiculous & totally unnecessary.

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The word “seal” on a signature line is a traditional legal term referring to the signature itself. You can sometimes see this on the affiant signature line, not just on a notary signature line. A “notary seal” is something completely different.

According to the Notice of Right to Cancel

there is the option to cancel via… TELEGRAM

LOL! :rofl:

That’s hilarious! :grinning_face_with_smiling_eyes:

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@jennjoneis :scream: WoW! :scream:

That’s truly SHOCKING! Haven’t seen one of those forms!

Here’s an example (screenshot below) of the standard Right To Cancel [RTC] I see contained within document packages for my clients. NOTE: There are 2 submission choices: MAIL or FAX.

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The standard RTC form also identifies that the submission can be ANY WRITTEN STATEMENT that is signed and dated by the Borrower(s) [BOs] - doesn’t necessarily have to be the RTC form itself.

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:swan:

Maybe some companies have the updated form while others do not
Here’s a clip of one example

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@jennjoneis Wondering what their response would be if you ask them about the “telegram” option . . . :rofl:

:swan:

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Discussing the fun things on some of these forms
usually gets the signer smiling. Love it.

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If you’re good at researching this kind of thing, you might try to figure out how “telegram” is defined in that context. I’ve seen some definitions of “telegram” that would include email. But I don’t know if it would apply in the context of a right to cancel.