Worst Signing Experience

Truly horrific, it stupefies and I can’t recall anything as horrible as that last year. The year before I had a signer who insisted on signing in a local fast food restaurant. I think that was a great idea, and I always take a signer up on that kind of suggestion, because sitting across the table from him made my eyes water and my nose burn.

The challenges of our profession dealing with not having a clean, flat surface! I’ve tried to avoid coffee table signings but it’s not always possible. I prefer countertop, washers, tailgate, ping pong tables, over resorting to a clipboard or tray. Hospital and nursing home signings usually mean on my feet while the signer is in a chair or hospital bed. It’s only worse if there are two parties. This is part of what we deal with. Wishing everyone a safe, healthy and proserous New Year.

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My first Loan Signing opportunity was in the fall of 1998 and there have been so many assignments since then that it’s hard to remember anything that even remotely comes close to your nightmare experience. 2025? At my advanced age, any 3-story condo over the garage is already my worst experience.

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I’m ashamed of myself…I applaud you! I would have left when the bugs started (period). I worked with the courts in the Foster Care System and I have come across situations such as this. When a home gets to that point it’s not just an “overnight” problem and mental health does pay a significant part. There were more problems than bugs! The Signing Company was a small part of it…(for those who will defend them, they should offer notaries a recourse if confronted with that situation but what would they do? Exactly, some might show concern, others, just get the job done.) That signing could have/should have taken place anywhere, it did not have to be at that house.

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I’m sorry that this happened to you, that must have been a nightmare. I’m in newer notary myself and I was just thinking of this very scenario the other day, what would be the protocol if you go to someone’s home and you can visibly see an obvious infestation of some sort. What would be the acceptable protocol for that? I hope I wouldn’t get in trouble lol, but I would have to leave, or maybe complete outdoors because I’ve always had a heightened phobia of insects, and I have allergic reactions to them. But really, how do you even approach something like that without offending signer? That’s really sort of crazy.. and I totally agree the selfishness of some people to willingly put other people at risk is really unacceptable. They could have asked to have the signing at a Starbucks or some other outside (out of their house) location without ever endangering you, although going to Starbucks with bed bugs is still gross too. It’s really a tough one.

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Welcome to the world of a signing agent. You will run into ones like this from time to time. I had experiences like this in my 30 plus years. I call my wife and tell her to open the garage and turn the hot water heater on because everything stays outside. I’ve had to take a shower twice before to get rid of the odor. !!

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The signers knew, there is no way they didn’t, and still let me walk right into it.

OMG! that’s crazy, I don’t know…lol
I can’t promise I’d be able to do it, I’m sorry that’s just being honest. The smell thing, depending… but the bug thing NO. I just can’t lol

That reminds me of this house I once appraised and the realtor that gave me the job said she had 3 appraisers come out to the house, but none were able to get the job done and she wouldn’t say why. The investor that was buying the house needed to close asap, so my contact, the realtor offered me double my fee which was very tempting making the fee close to $1000, but I knew if she was offering double it must be something really bad… so I told her that I will do a preliminary inspection first before I agree to the assignment and she agreed, but of course was reminding me how badly they needed it done, blah, blah.. so I went.. when I pulled up it was in a really nice area, well maintained outside, older neighborhood, tree-lined, really nice. The house was an all brick tudor style cape with a dormer upper and an expanded ground floor rear, it was very very nice. I was surprised that the realtor wasn’t there being she needed this so badly and she had to meet me because there was no lock box for me to get in. She got there about 20 minutes late which made me very annoyed, but I noticed immediately that it wasn’t my contact, it was an associate who said she wasn’t familiar with this house. She jumped out of her car, apologizing profusely and giving me all the explanations. As we were passing the pleasantries by the door and as she was getting the keys she had the same sentiment that I did about the house and that it was really cute… from the outside.. You know how heat vapors look when you look down a on a hot summer day, or an open flame how those wavy vapors look… when she swung the door open.. that’s what INSTANTLY hit our face, eyes, nose, the tearing begins, the air in there was very thick and heavy It was summertime, hot, and this house was all closed up, no AC. It was the kind of smell you could taste.. The house was completely empty, but apparently how the story goes is there was an older lady that lived there and she was a hoarder of cats, and when the found the lady there was close to 100 cats in there, some living, dead, dying no litter boxes or anything like that and apparently that amount of cat urine/feces after so many years, decades on the floors.. it permeated through the hardwood to the rafters and beams, walls everything. It was like walking through an ammonia cloud. The realtor tried to walk with me through the house, but before we could make it from entry, through the living room she turned around and ran out the door covering her mouth and threw up in the grass. I felt bad for her because she was really hacking it up… she said she couldn’t stay and she was feeling sick. She was angry at my contact for not warning her beforehand. She told me she would lock up if I was ready to go, but I told her I’d do the inspection of the house and write the appraisal, she was in shock and says to me “you need to demand double” I just looked at her and smiled and said maybe I will…lol She said she was going to get in trouble but didn’t care because she was leaving me with the keys with and she was supposed to returned them back to the office, but she was not staying any longer and gave me the keys to lock up the house after. I went in, opened all the widows and doors, let it air out abit, took my pictures, completed my sketches, then closed I closed up, locked up and left… and got paid double..lol When I got home my family could smell it on my clothes though and clearly I took a nice long shower, lol.

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Than is just pure selfishness and Insanity…

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You have my sympathies that is so damn wrong!!

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Make you a office in the trunk of your car.

I had to learn this or purchase you a small van.

That’s your mobile office.

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I have worked out of my car, but it was dark and the house was in a remote area, so there wasn’t much outdoor light. The thing is I didn’t know it was like it was until it was to late. The signing had already started before I noticed things falling from the walls and crawling on the table. I should have left at that point, but I tried to push through. Honestly, I was thinking about it potentially being bed bugs.

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Look that was a good situation.

I’ve been in worser.

House was decades in ammonia.

Smelling like a deceased body inside

Over 50 cats station on every wall, jumping in and out of windows, on that nasty table where cat feces lived. 6 dogs and no exaggerating

No furniture

I had a little stool. Kitchen dirty and cats on the counters.

And a 220 page document.

Stayed sick for 2 weeks.

Never ever again.

The last signing, last week. They had a house full of dogs as well. I asked if she could separate her pets from the signing. That was a no. So my car was my table.

She kept rescheduling, I pulled a hook on her and told her the judge ordered 3 days to be signed and back to him​:eyes::eyes:

Ma’am this is your recovery money not mine.

If you don’t want it and refuse to sign documents today, I am going to stamp refuse to sign and drop them off at the courthouse myself and nobody gets paid.

Told the scheduling platform the same thing.

I had to go out 3 times and I charged a fee each time. It was on the client.

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That first thing was crazy, then the 220 pages.. that was some doc. you must have been there for a while, I definitely feel for you, smh…lol

Maybe it’s just me, but intolerable conditions and/or uncooperative signers and I am outta there. Fee or no fee. I immediately contact the signing service and apprise them of the adverse conditions and why I cannot go forward with the signing and let them decide what action to take. I am not going to risk my health, welfare or anything else for a fee of any amount. All the signing services I have ever worked with have supported me when I could not complete the job because of highly problematic situations.

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@Bobby-CA Concur :100: percent! Also, in my direct experience with those types of scenarios (like your experiences) the hiring entity was in complete support of the decision to leave ASAP.


:swan:

I have to agree on this one. I do think it’s important to not get super picky. I did a reverse with a couple whose table was covered in junk I sat at a low coffee table and walked a clipboard between the two signers. They had a few cats too. It took forever. But a cluttered house isn’t the same as a filthy house so I finished it. But bugs falling from the ceiling I’d have left as well. I’d have offered to go to a McDonald’s or something but it’s sad people live in those types of environments.

Herer’s my best worst experience from a few years back.

Once upon a Signing. . .
We’ve all been in strange houses where the residents (our beloved signers) have not kept up with their chores. You know what I mean, dirty dishes in the sink, carpets in need of vacuuming, unwashed clothes piled up in a laundry room.

Well, that’s nuthin’!

When I was just a newbie, I picked up a signing not too far from my home/office for what I wrongly assumed was a nice young couple in a kind of family-friendly neighborhood. Little did I know I was headed straight for the gates of hell.

Mr. & Mrs. Hoarder.

I found my way into this lovely gate-guarded community of one-story condominiums where visitor parking was at a premium. Having found an unoccupied slot about two blocks away, I parked, grabbed my briefcase and walked calmly toward this rather unkempt, ruddy condo that did not lack for untrimmed shrubbery or droopy trees and vegetation. Outside the front door was a phalange of macramé ornaments that resembled the hands of a wicked witch. The wooden entry door was badly weathered and scarred from too many years of neglect and aggravated slamming, presumably. When I knocked on it, it was already open and it creaked eerily as it swung open to reveal the darkened hallway beyond.

The voice of an elderly woman beckoned me to step inside and I did so with great trepidation. I couldn’t see a thing! The floor crackled beneath my feet as though I was stepping on corn flakes (which, perhaps, I was!). To my right was an unlit living room where I could make out an untold number of boxes, misshapenly stacked in a way that blocked the windows. It would be unwise to enter that room without a flashlight and a 5-iron.

To my front left was the beaming light from what I will generously call the “kitchen”, where we would eventually do the signing. The woman who called me into this pit was so thin and wiry, she would have to run around in the shower to get wet. When she stood sideways and spoke, she resembled a human zipper. With her boney finger she pointed to the signing table where her husband was awaiting my arrival.

He was dressed in a pair of shorts far too small for his girth and modesty. His tee-shirt was on it’s fifth day undoubtedly and his slippers. . . well. . . I’ll say that they were “well-worn” and bore the scent of. . . Oh , never mind. No sense in making us all sick.

Each eye was pointed in different directions and his welcoming smile revealed all three of his teeth. Why even bother combing his hair. . . after all, it’s just the notary.

The signing table was about 3 feet across and fully laden with anything and everything that they had purchased, consumed and not yet thrown away for weeks on end, stacked at least two feet high. As Mrs. unfolded a brownish-gray metal chair for me to sit in at the table, I was shocked to look at the counter where the fire had been and the scalded cooktop that was encrusted with blackened metal that had not been chipped away for cleansing.

Uneaten/half eaten food was everywhere. In every stage of its life: boxed/canned/bagged; ready for cooking; some in the process of being cooked; some having been cooked for days (or longer); some partially consumed, some ready to be stored for future consumption; and, some in a condition so undiscernible as to defy imagination. I thank the Lord that I wasn’t offered any. I also turned down the grey water I was offered. For some reason, I wasn’t thirsty.

This was the first time I ever opened my briefcase and left it on my lap whilst we did the signing. By the way, the signing was done on a 10" X 10" space on the disgustingly stained and food-embedded table in the nook area where we were seated. Mr. had suffered a hand injury moving some boxes around the house as I was told, and he would have difficulty signing the refi documents. When we got to the appraisal acknowledgement, I noticed that the appraiser’s notes read “Good with me” about the condition of the house. Who am I to judge?

We spent the next hour in the signing with Mrs. continually asking me if I’d like some water. I think my choking was the tip-off. I politely declined and hurried the signing along as best I could. When we concluded, I handed over their copies of the documents which were quickly dispatched to the food counter where they immediately began absorbing some sort of alien fluid that had coagulated there for the past several days.

I arose and thanked Mr. and Mrs. for their cooperation and told them I have to hurry along and post their completed documents with FedEx. At which point, Mr. laughed and told me he takes FedEx for his constipation. I rambled to the door and off to my car which thankfully, was still there, and off I went. The 40 minute shower I took when I returned home was wonderful. I was even able to eat a meal again that weekend.

And, to think I bid this job for $75 as a newbie.

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Bobby – You should be a writer. Loved your narrative! :rofl:

I AM a writer. I write for y’all :face_with_monocle:

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Laughing hard but feeling nauseous. Great writing. Awful experience. Judy