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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 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 3, 2018

I’m too old to learn

Filed under: General Stories — admin @ 12:27 pm

But, I’m too old to learn the elderly Notary said. To be a Notary you have to know how to do Notary work. So, old or not, you still have to learn.

Elderly people learn at half the speed of young people. However, confidence is the real problem. On a brighter note, learning opens up your mental neurons and is good for the physical apparatus known as your gray matter, and yes — gray matter matters, and so do gray lives although that’s a gray area.

The real problem is unwillingness. Most people just don’t want to read or learn. Learning is fun, easy, and just requires a little effort. It won’t kill you to study.

And how did some Notaries get through elementary school with this attitude that they will not crack a book. What is the future of America with so many people who are anti-learning. How will we compete with China? They like learning. They don’t know how to manage their economy but when they study, they study.

The bottom line is that you are never too old to learn. And that fact has been proven by the hit sond, “Age ain’t nothing but a number.”

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January 2, 2018

Dealing with Notaries who never pick up

Filed under: General Stories — admin @ 10:45 am

I have actually many Notaries in high places who do not feel obligated to answer their phone. How do these people stay in business? I tried to test several of these people. I told them that I need to quiz them. They told me to call them but they never answer. I keep phone logs for people. We have many who did not answer five, six, or seven times in a row. Maybe we need a rule on 123notary that you have to answer at least two times out of ten, or I will just take you off the site.

Imagine if you were a Title Company and everybody on 123notary refused to ever pick up. Why would you use such a directory. I want Notaries who answer. I realize it is their freedom whether to answer or not, but they are ruining the integrity of my directory by not. That is not fair to me.

I realize I need to be realistic about standards on 123notary. What I’d like is for all Notaries to be experts at being a Notary, to always be polite, give straight answers to questions, follow directions and answer their phone professionally. What I get is arguing, childish and rude behavior, general incompetency about Notary procedure. I am amazed that anyone uses my directory based on the type of nonsense my clients put me through. Would it kill people to just act professional? The Notary profession is a profession, but the types of people in the business do not act as if it is.

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December 31, 2017

A dream about the red van

Filed under: General Stories — admin @ 10:06 am

I had a dream. I was driving, perhaps in Massachusetts going North through some very poor area. In my dreams I think there are certain areas I routinely go through that do not exist in real life.

I stopped to go to a cafe. I parked in a large parking lot. I went to the cafe which was mostly very poor looking white people. I asked someone if blacks were treated okay there, but I kept backing up in the cafe because I was uncomfortable that others would hear me. Then I saw some discheveled homeless looking guy with a huge beard lying on the floor with his long hair and a cat and two dogs sprawled out near the exit blocking the exit. I walked more or less on top of them to get out.

Then I could not find my car in the large parking lot. Where I had parked there was now a red van and my key opened the door. It had one of those doors that opened in parts, each part opening a different way. One part opening like a door, and the other flap opening pointing towards the back of the vehicle. I wanted to find my car so I walked around the parking lot but only found some 70’s looking blacks with afros and some white guys with long hair who looked like drug addicts. I felt uncomfortable and left.

The next day I went to the supermarket in Pacific Palisades and some crazy homeless people were talking loudly to themselves and anyone who walked by. I wonder if the dream was a premonition.

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December 30, 2017

Why does it have to be so difficult?

Filed under: General Stories — admin @ 10:12 am

It is like pulling teeth trying to get Notaries up to standards. I want Notaries to know how to keep a journal, thumbprints, fill out forms correctly, and ID people correctly. This is not rocket science and you are supposed to know this stuff anyway for your safety and the safety of society.

Title companies use 123notary to find Notaries. 123notary is better than the other directories. However, we still have a majority of highly stubborn and incompetent Notaries on our site. Frankly I am sick of the endless nonsense. Why is it so hard to get people to study and take a quiz and pass. I get so much arguing. It is like dealing with children. There is always a reason why I shouldn’t have to be tested because I really do know what I’m doing. People would rather argue for half an hour rather than take a two minute quiz and pass.

The fact is that people are hiding something. They are hiding the fact that they don’t have a clue what they are doing and have gotten away with it for the most part so far. This is horrifying and I’m taking a stand. I am no longer tolerating difficult people and stubborn behavior. You will be expected to measure up to a particular standard as a Notary so that we do not endanger the end users who use our site. I owe the users something and so do you. They are the ones who pay you so that you can afford to pay me. Without them, none of us get paid!

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December 29, 2017

The Notary Union raises it’s rates and alienates its notaries!

Filed under: General Stories — admin @ 11:05 am

Notaries who had joined the Notary Union did so to make their lives better. They were not getting enough work, and not getting paid enough. The union seemed like the only way. But, these Notaries were wrong.

A year after a few thousand Notaries joined the Notary and Signing Agent Union, the union started raising its fees to $600 per year. How were Notaries who were barely working going to afford $600 and also afford background screening and the yearly certification requirements from various agencies. It was just too much.

Additionally, the union set Notary prices so high at $100 per signing that many signing companies chose not to use the union. After all, most of the Notaries in the Union couldn’t even pass Jeremy’s easy test. How can Notaries who don’t follow directions, don’t communicate clearly and don’t even know the difference between an Affirmation and an Oath command such fees?

Notaries were dropping out of the union like flies (or like seals in an oil spill due to offshore drilling.) What was the solution? The problem is that most Notaries do not know how to handle situations and do not know Notary law that well either. The common excuse is that they know what they are doing if you put the documents in front of them. But, when I ask simple quesitons about what they are allowed or not allowed to do, the distinctions between what is legal, ethical, safe, or preferred by the Lender get blurred and this is very dangerous.

Meanwhile on 123notary, Elite Certified Notaries are getting monopoly on work. While the uncertified Notaries are not even trying to learn anything to pass this test. Unions won’t get you work — knowledge and the proof of knowledge will. Some people will pay more for skilled Notaries and those people use 123notary more than any other site. Pleasing them means taking your profession seriously and learning to communicate well.

Looking for shortcuts to success like market bending unions does not lead to success in the long run. It is temporary market manipulation and the long term results are evident in places like Ohio which is a burnt out shell of the once great American manufacturing empire.

In short — get ahead using knowlege and studying. Stop complaining and start mastering your trade. It’s not that hard.

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