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February 15, 2018

Scanning bar codes on an ID in Washington State?

Filed under: Business Tips — admin @ 9:06 am

This is the first I have ever heard of this. There is an app where a person can scan an ID and see if it is legit. If you are a Notary, your worst nightmare is a fake ID (or an unattractive client who has the hots for you, not necessarily in that order.) Well, now you can scan their ID and see if their ID is real.

Keep in mind that even someone with a real ID can be an imposter because there are often many people with the same name. I ran into a Pamela Anderson who was not the one on babe watch… I mean Bay Watch. Imagine how many John Smith’s there are. Sometimes I think the guy on Taxi had a point when he changed his name to Ignatowski. That is more unique than Smith.

Why don’t you Notaries look into this app, as it could be a life saver for Notaries and a life ender for frauds!

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February 14, 2018

The Sexting Notary

Filed under: General Stories — admin @ 9:01 am

We had a Notary on our site who texted a client and said, “You’re kind of hot.” The next thing I know I get a complaint. I emailed the Notary who said, “That never happened.” Boy. However, this is the first time I have heard of this happening. Usually it is the client who is weird and lives in a decrepit house and has long toenails and smells funny who invite lady notaries to their bedrooms.

The moral of the story is, if you like your client, it is best not to come on too strong otherwise you get a complaint. For some of you that means you will be single your entire life. On the other hand, raising children is so expensive that perhaps you are better off. Oh, and if you ever run for office, forget about sexting.

And before I forget — happy Valentines day! And remember, don’t sext and drive!

One more thing… If a text is a text, and a sexual text is a sext, then what is a Notarial text? A next?

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February 8, 2018

A Notary complains about the instructions

Filed under: General Stories — admin @ 9:11 am

A Notary complained to me that he received a package where the instructions were on page four. This Notary makes it a habit to always read the instructions. But, I guess he doesn’t read between the lines. As a Notary, you really need to quickly scan all of the pages of a package to make sure there are no mystery signers who don’t know they need to be there like the evil sister in law or mother in law.

What would you call it if a mother and law and brother in law needed to sign the Deed of Trust, Note RTC, TIL and HUD? That would be the inlaws signing the legals. Very punny.

In any case, if you don’t scan all the documents there might be surprises. As a mobile notary, you want to minimize suprizes by being prepared. Also, you should ask lots of good questions when confirming the signing. Check the date, time, location, how the ID reads, if there are payments due, APR, rate, numbers on the CD, if they have time for the entire signing which could take 90 minutes, and if all the people who are supposed to be there will be there.

Be prepared and only you can prevent notary disasters!

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February 7, 2018

Those who don’t login do not do well on tests

Filed under: General Stories — admin @ 8:45 am

We have a lot of Notaries on 123notary who just don’t login. Some of them get removed eventually. But, I wondered how they would do on tests. When I give my little quizzes that everyone hates, some people do especially poorly. People who don’t login often are twice as likely to get failing grades on my quiz. If they don’t have the effort to login, they also don’t put in the effort to study or know what they are doing.

In this industry there is such apathy and negligence. I don’t know what the problem is with just mastering your trade. It is offensive and dangerous to be a Notary who doesn’t know the basics. You have no idea how much trouble you can get into.

In any case, since the state governments refuse to crack down on negligent Notaries, the responsibility falls upon me which I find unfortunate and unpleasant. The moral of the story is, please login regularly, study up on your notary knowledge and keep your profile ship shape — always!

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February 5, 2018

Why can’t I just do my job without all the bashing?

Filed under: Advertising — admin @ 9:19 am

Anytime I enforce any rule on 123notary which preserves order, I get endless bashing. If I announce a new policy, there will be an online riot on Facebook and Linked In. If I remove people for refusing to login to their listing, there will be endless strings on Notary Rotary. When I enstated mandatory quizzing which was only about five questions, people had fits and wanted to argue, threaten me with lawsuits and defame me.

I am trying to run a quality directory here. That is all I want to do. I don’t want to harm anyone. Actually, I want to prevent people from being harmed, namely the fools who hire these rabid Notaries who are out to get me. They want to be enemies with the people who list them and who hire them. Bad attitude. If you want to get ahead, think of the people who help you as friends and not enemies.

Many accused me of not being “professional.” I agree. By listing substandard Notaries, I am being very unprofessional. The Notaries who call me unprofessional call me so because I put my foot down when they talk back to me and I forcefully take the upper hand in the conversation. This would not need to happen if people would just act politely and understand that this is indeed my site, my personal property, and I am the one who decides how it is run and not someone else. When you are in my house, you wipe your feet, but you do not have to take off your shoes. My house, my rules. Very simple to understand. In your house you do what you like.

The amount of hatred and bashing has been going on for years, but the general atmosphere and lack of standards seems to have taken a new low in 2017 and I am basically deciding that it is not respectable to list some of these people. So, in order to get rid of the really hostile people and provide a positive atmosphere for those who want to learn and who want to be cooperative and quality Notaries, I am going to change policies, raise prices, and make mentoring and eductation a mandatory part of being listed on 123notary for ALL paying listings. This is great for Notaries who enjoy it because that means low cost and high quality learning and will help them make a lot more money in the long run. For those who hate the idea of cooperating with anyone, it might be the parting of the ways for us. We’ll see. Or maybe you’ll change your attitude. My attitude is going more and more towards standards, and the more you fight me, the higher my standards will be.

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February 2, 2018

Notaries threaten Jeremy with class action law suit

Filed under: General Stories — admin @ 8:58 am

A bunch of Notaries were angry that Jeremy from 123notary suddenly started requiring Notaries to understand how to be a Notary. But, these Notaries had already paid their year’s subscription and now Jeremy was pulling a fast one on them by requiring them to prove that they know their job.

The argument I always get is that of course I know my job because I’ve been doing this x amount of years. But, then when I test these convincing people, the score is normally around 40% on simple Notary questions.

My point of view is that many Notaries have been deceiving me and the public for years by fraudulently impersonating a qualified public official, namely a Notary Public.

In any case, my Notary quiz is five questions long in most cases. Some Notaries would rather send me a letter from an Attorney rather than answer five questions which takes two minutes.

When I remove people early for not passing my test I am only PAUSING their listing. They can study up and quiz again whenever they like. I am not taking time out of the year they paid for. I will give their time back once they have proven they know how to be a Notary.

But, if a Notary went to an actual Attorney for some serious legal work, the Attorney would ask about 200 questions.

ATTORNEY: Okay, question number 193, when did you make your payment to 123notary?

NOTARY: Listen, I’ve already answered your other questions. Just sue the bastard, will ya?

ATTORNEY: It doesn’t work like that. You have to answer all 200 questions.

NOTARY: You’re even worse than Jeremy. I should be suing you, not him. He only asked five questions.

ATTORNEY: Don’t you think you would do better if you would spend the time you spent with me studying so you could answer his questions? You don’t even have a contract with 123notary, and their policies page says that they reserve the right to refuse service to anyone.

NOTARY: I spent five hours with you for nothing. I could have learned to be a real Notary in that time. Carmen even offered free mentoring. Boy am I stupid.

ATTORNEY: And by the way, your legal costs will be $80,000 and I require a $20,000 retainer. The total damages Jeremy cost you are zero because he did not remove you, he only paused you. If he had removed you and the other fifty people permanently it would be only $952 total because he paused you near the end of your term. You want to pay $80,000 for a small chance at recovering $952 for your band of outlaw Notaries. That is as stupid as your unwillingness to learn how to be a real Notary.

NOTARY: Boo hoo hoo. But, I shouldn’t have to be a real Notary because I’m paying them. So therefore I can do whatever I want.

ATTORNEY: But, you are also paying me, and you have to answer all of my questions and meet with me at my convenience. You have to follow the rules of the people you hire. You have to sit down on an airline with a ticket that you paid for when they tell you to. You have to refrain from using cell phones at certain restaurants as well. Aren’t you paying them?

NOTARY: Yeah, but that’s different.

ATTORNEY: It is not. You are ruining 123notary’s reputation with title companies by being an incompetent Notary. You are also endangering people by not following directions. Clients who use you could lose thousands on a single job that you don’t follow directions.

NOTARY : Who cares. I just want my $6.52 left on my account without having to answer Jeremy’s dumb questions.

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February 1, 2018

Third Judicial District Court of Utah. Notary Case.

Filed under: General Stories — admin @ 8:47 am

This is a court case involving one of our Notaries. If you think keeping proper records doesn’t matter because your state doesn’t require it — think again. Your journal is your only evidence in court. This is the beginning of a court case. I am not going to publish the entire thing because it is too long.

———————–

Regarding the plaintiffs’ general allegations, defendant admits that she lives in Salt Lake County, that the she is doing business in Salt Lake County, and did in fact witness plaintiffs signatures and notarize for the same.  Defendant has no knowledge concerning the other defendants and therefore denies the same.  Defendant further denies all other allegations not specifically admitted to therein.

Count One
1. Plaintiff’s petition fails to state a claim upon which relief could be granted.
2. In response to allegations of paragraphs 16-22 Defendant has no personal knowledge of any of those items.
3. On February 8, 2007 Defendant Shaw did in fact go to the Plaintiff home to accommodate the loan signing. defendant denies the allegations set forth therein, and affirmatively alleges that she was not employed by the lender, the title company, nor any of their representatives, but was and is an independent notary public, and acted solely in that capacity. 
4. In response to allegations of paragraphs 24 & 25 of the complaint Defendant has no personal knowledge to actions by LSI Title . Defendant did provide a copy of document to the Plaintiff, Defendant did not represent LSI Title nor give any representation as to the accuracy of the document nor give any legal advice.
5. In response to allegations of paragraphs 26 Plaintiffs did have the option to not sign the documents. Defendant explained that documents are date sensitive and Plaintiffs Have a 3 day right to cancel as provided by federal law. Defendant did suggest Plaintiffs could sign the Document and discuss concerns with their Mortgage Broker at a time when the Broker could be reached. Plaintiffs decided to sign the documents of their own free will. See exhibit N in complaint.
6. Defendant has no knowledge of any allegation in paragraphs 27- 70 of the complaint.
Count Two: Breach of Contract

7. In response to allegations of count two: Defendant has no knowledge of any allegation in paragraphs 1-4 of the complaint.

8. In response to allegations of paragraph 5 Defendant did not represent LSI Title or give any representation as to the accuracy of the document defendant denies the allegations set forth therein, and affirmatively alleges that she was not employed by the lender, the title company, nor any of their representatives, but was, and is, an independent notary public, and acted solely in that capacity. 

9. In response to allegations of count two: Defendant has no knowledge of any allegation in paragraphs 6-7 of the complaint.

The case goes on and on, but here is the beginning.

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January 31, 2018

What types of questions should we be asking Notaries?

Filed under: Etiquette — admin @ 11:12 am

I know I know — since you are paying me, therefore you can commit bloody murder and I should not even utter one word about it. But, that is not true. If you do bad service for our users, then you are causing damages to my business – so your knowledge level and performance is my business! But, once again, we ask Notaries questions routinely, but what should we be asking?

Questions about following directions
Questions regarding tricky scenarios
Notary technical questions including certificates, oaths, journals, rules, identification
Document related questions
Higher level complicated questions that we only ask for the elite.

Do you guys have suggestions for what matters to you if you work in title? What do you think I should ask? What do you ask Notaries when you hire them? I strongly recommend asking a few questions to see if the Notary is a dimwit or is capable of thinking and communicating clearly (a rarity.)

Your input is valued. Thanks.

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January 30, 2018

The one Notary who used an embosser was the one notary that…

Filed under: Technical & Legal — admin @ 11:06 am

A week ago was the first time I ever talked to a Notary who used a secondary embossed seal. Notaries are required to use an ink seal for notarizations. However, many states will allow for a secondary non-inked embosser seal that leaves a raised impression in the paper you notarize.

The raised impression cannot be photocopied.
The raised impression is not easy to forge
The raised impression can go on each page of every document you notarized.

The purpose of the embosser is to deter people who want to swap pages in a document after it has been notarized which is tampering and illegal. Some Notaries emboss several pages all together, while other Notaries emboss pages one by one. There is always a danger the document custodian could swap pages with another document you notarized so it might make sense to emboss a different part of the page each time you emboss. Not sure how to coordinate that. Would you emboss on the left of the page on Mondays or use a random way to figure out which part of the page to emboss.

The irony is that someone did swap a page on a Deed embossed by this Notary. One of the people in the transcation contacted an Attorney since the dollar amount on his copy was different. The Notary had to appear in court, however, since the swapped page was not embossed, the lack of embossing was another layer of evidence used to nail the culprit two or more times over.

The one Notary in the East Coast who uses an embosser to deter page swapping was the one Notary that page swapping happened to in my experience talking to tens of thousands of Notaries. How ironic. I never would have guessed. I guess the Notaries who aim to catch frauds are the ones who karmically do. Another Notary in California routinely catches identity thieves by handing over thumbprint to the FBI. I guess she is tuned in to catching really really bad guys too.

Maybe one day you will catch a bad guy, but it won’t happen unless you take precautions such as keeping a good journal with thumbprints, full names of documents, document dates, other info about the documents, use an embosser, and the list goes on.

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January 29, 2018

Journal abbreviation keys

Filed under: Journals,Technical & Legal — admin @ 12:50 am

Many people take the easy way out with their journal. Journal keeping is seen as just an arduous task with no higher meaning. Many people feel that they can do a shoddy job doing their journal since it is not required in their state. However, if you are in front of a judge you need a clearly filled out journal whether your state requires it or not.

Many Notaries use the check box journal. I recommend against this. The check box journal says, “E&O” as one of the names of a document. If the real document says, “Errors and Omissions Compliance Agreement” that is a completely different document. E&O is an abbreviateion for the first three words, but what about the last two words? Don’t take liberties.

Then there are other Notaries who just write, “10 Grant Deeds.” If you are ever in court, you need to know which Grant Deed is in question and if you really notarized it. Keeping escrow numbers, names of parties involved and addresses helps to narrow it down.

DOT could be a good abbreviation for Deed of Trust. However, if you are in court years later what will the judge say? What if you have bad handwriting and use abbreviations?

My philosophy is to keep an abbreviation key in the inner cover of each journal you use. I had 70 journals in my career so I could have a lot of keys. You can have a key that says:

DOT = Deed of Trust
AFF = Affidavit
E&O Comp Agree = Errors & Omissions Compliance Agreement.
Corr Agree = Correction Agreement.

This way you have a system that is documented just in case.
Or, just write the entire name of the document out. Or you could only abbreviate Deeds of Trust since they are so common and not abbreviate the others just to keep reading the journal more straight forward.

The worst thing you can do is to write, “Loan Docs.” When you put the names of documents in your journal, each document is legally separate, and the fact they are part of a package does not make them legally all have the title, “Loan Documents.” Each document has a name that must be entered in your journal if you notarize it.

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