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February 12, 2017

Racial issues at a signing

Filed under: Drama & Tragedy — admin @ 9:36 pm

Shelly went to a Notary signing. The minute she arrived, she could feel extreme tension. The husband was listed as an entity on the loan application, but the wife was the one taking command. Shelly was (and still is) white, and the couple was black. I’ve done hundreds of signings in black homes and without issue — however, those signings were done before people had a reaction to Donald Trump’s political presence.

Racism was at an all-time low from around 1997 to mid 2015. And then it started up again. There were more protests, riots, clash between minorities and police, the Black Lives Matter movement, etc. But, during the last few months of 2016 it turned violent. I witnessed people being beaten in the street over race — strangers beating strangers with no provocation. Can we blame Donald Trump for this insanity? After all, he has done nothing to anyone (yet) and was only speaking his mind in his own non-sugar coated way.

The husband and wife started going through the Loan Estimate. They went through every fact and figure with a fine toothed comb because they had prejudged that something must be wrong and that everybody was out to get them including the Notary, Lender, Donald Trump, Title, Escrow, and Sam down at the butcher shop (I made the last part up.) They were basically trying to confirm their baseless suspicions by finding something wrong with the paperwork.

When the Notary tried to smooth things over, the couple called the Loan Officer and commented about how terrible the Notary was. The Loan Officer failed to return the Notary’s calls but called the party that hired them for the loan (whomever that was.) The Notary’s reputation had been slandered, tarnished, and she didn’t want to lose her client. Shelly’s reputation was on the line here for a crime she didn’t commit. Was racism to blame?

Shelly comments that if people are negative about the process from the getgo, they will create problems that weren’t there in the first place. Too true Shelly. I agree completely. But, the main thing is to stay out of the loan. The loan is not your business. It is not up to the Notary to determine if there is something wrong with the loan. You just make sure they sign where they are supposed to and notarize the signatures.

Shelly has signed hundreds of loans for people of all communities in her area and treats people equally. It looks like she was not treated equally in return this time.

The moral of the story is, if you walk into a tense situation as a Notary — just do your job and don’t make comments. Be neutral. It’s not your problem. If someone fires you for reasons beyond your control, just state your side of the story and it is their loss if they lose you because you are a good Notary who did nothing wrong and has a 99.9% accuracy rate (or so you claim.)

You might also like:

Black Notaries vs. White Notaries — comedy edition
http://blog.123notary.com/?p=17455

Demographics in the Mobile Notary business
http://blog.123notary.com/?p=15359

I’d rather stop being a Notary than carry a gun
http://blog.123notary.com/?p=15896

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January 29, 2017

Black vs. White Notaries = benign, but the comments were hateful

Filed under: Drama & Tragedy — Tags: , — admin @ 6:49 am

I live in a multi-racial neighborhood. We have Hindus, Muslims, Jews, Buddhists, and even a few Christians (when we allow them to come in). We have black, white, yellow, brown, red, and even a few green people who fly in from time to time when their spaceship breaks down.

People on TV can joke about race. Eddie Griffin does so unashamably, so does Eddie Murphy, and a few other Eddies. How come they can exercise their freedom of speech without a hateful backlash? Have you ever thought about the double standard I am talking about here? I joke about everything. I value my freedom of speech too. But, the commentary to my Black Notaries vs. White Notaries was just hateful considering my blog entry was gentle and not demeaning to anyone. We (my comedy writer & I) joked about the same things black comedians joke about. Do I have to get a race change and be a Michael Jackson in reverse to have cultural permission to do the same thing?

The reality of the race situation is that law enforcement and young black males are having a prolonged and unofficial civil war. This is more than unpleasant. It is dangerous for all of us all even though most of us are bystanders. I have read that many higher level rabble rousers are arranging for more violent riots. Violence and hateful commentary on my blog doesn’t solve anything — it just creates more tension and more problems. Perhaps these hostile comments I received reflect the very attitude why we are having a serious problem with race in America. America practices racism, accuses everybody in sight of being racist, yet we lack the ability to have an open and honest discussion about race, culture, or just tell a few jokes.

Some Americans get almost violent when you bring up particular topics. This attitude is a direct threat to our freedom of expression which our forefathers risked or gave their lives for. If you react so violently to harmless jokes, perhaps that is a reflection of your own inability to accept America’s racial situation for what it is. We are forced to live in it daily, but culturally prevented from saying anything open about it. Should you send ABC or the New York Times hate mail every time they publish a piece on race?

It is amazing that a blog article so harmless got such a hateful response. I think that some of you need to take a closer look at yourselves. On the brighter side, that post was one of our most popular comedy posts ever, and people referred it to their friends since they were so shocked. The bottom line is that I can joke about whatever I like, and you can be polite about it — can you dig it?

Please also see:

Black Notaries vs. White Notaries — comedy edition
http://blog.123notary.com/?p=17455

Comedy Central Notary Roast
http://blog.123notary.com/?p=17462

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April 20, 2016

Artificially inflated rates at a signing

My rate shouldn’t be this high!
I had a loan signing once for a lady where I looked at the documents and the interest rates printed seemed unusually high. Before I had her sign the papers, I asked her what the loan officer had told her, and she couldn’t remember what the interest rate was that she had been told. She rummaged around in her purse and found a slip of paper where she had written it down and it was definitely different from what was printed on the documents. I tried calling the lender and couldn’t reach them. I left a message but we never heard back from them so we cancelled the appointment and decided to reschedule. I took the docs with me as I left. Magically the next day, new documents showed up with the correct interest rates despite the fact that no phone call ever came through from the loan officer. We made an appointment and signed the next day. I was so glad for her that we had caught that mistake and got it corrected!

Falsely accused of murder
I had a jail signing where a woman was in jail and her fiancee was fighting on her behalf to get her out. Someone had gotten murdered and she was incarcerated, but she was actually innocent and happened to be in the wrong place at the wrong time. The fiancee needed a power of attorney, and he was so well dressed that the guards thought he was a lawyer and he came in with me to see her to get the signing done. When they saw each other, they spoke and he just held and pressed her hand. She was so depressed and upset and sad. The jail had over medicated and sedated her for her depression which made the whole situation ever more upsetting. I felt really bad for them.

The vindaloo signing
I had a funny signing with a Caucasian woman and an East Indian man in my town. When I got there, the husband was quite grumpy because the title company had messed up the settlement statement. When I told him that my former husband was an East Indian man though, he suddenly lit up and got very excited! We went into the kitchen and he gave me a bunch of seasoning packets and told me where to buy the best lamb rack, and we talked about cooking. We ended up rescheduling the signing with the corrected documents and we ended up talking more about cooking then too and he sent me home with more food! It was a fun meeting!

An impersonator at a signing
I had a refinance once where I’m glad I listened to my intuition! There was a situation where the wife was bilingual, and the husband spoke only Spanish. She was the primary on the loan, and when I looked at the ids, hers looked definitely like her. Her husband’s id didn’t really look like the man sitting in front of me. He had a bandanna on that partially hid his head, and the picture looked similar, but I couldn’t really say that the id was really the same man in front of me. I was skeptical but I took the photograph at face value as the wife assured me that this was really him. I started to proceed with the signing. At some point though, the man in front of me suddenly said, “ There’s a problem. This doesn’t match.” referring to the documents. At that point I realized that this wasn’t her husband since he clearly understood and spoke English. It was a friend. Not her husband. So I immediately stopped the signing, told them we were done, and walked out the door. I was so thankful that I was able to stop it, and that I had it recorded in my journal. I called the agency immediately and let them know what had happened.

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30 minute Islamic prayer break at a signing
http://blog.123notary.com/?p=16185

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April 10, 2016

Signing for a mother and daughter

Signing for a mother and daughter
The state was paying the daughter to provide elder care nursing to the mother.
The daughter had comingled their bank accounts.
The daughter asked the lender to make the terms of the loan allow her to live in the house for another year after her mother died.

The mother lost one foot due to diabetes and couldn’t walk because she didn’t exercise. The walker was in the back of the daughters closet.

An unfortunate Notary was called to notarize a loan for this mother and daughter “team.” The Notary gradually found out about the situation.

The lender didn’t return any calls to the mother, but only returned calls to the daughter. The mother considered cancelling the loan. The Notary advised her to strongly consider it and use the RTC form.

Most Notaries never see a situation so crazy as this. But, be prepared as they do happen.

.

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Jane the Virgin Notary
http://blog.123notary.com/?p=14899

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March 24, 2016

Two guys with the same name; One cashed the other guy’s check!

Imagine your worst nightmare. Someone else with your same name. But, it’s not identity fraud if the person really is you, or at least shares your name. We had a Notary in Alabama and another Notary in Indiana who had this exact situation. I am not sure if their middle initial or middle name is the same, but the first and last were. They were both on the same database for several signing companies. The problem was that the guy in Alabama did a bunch of jobs for several signing companies, and then the guy in Indiana got paid for those jobs — and deposited the checks.

I actually personally know both of these people and remember a conversation I had with one of them three years ago. He thought his bill was too high and kept saying, Jeremy…. Jeremy…. Jeremy…. Jeremy… with this amazing tonality. He got removed from his high position because it was too much trouble to bill him. Now he has a free listing at the bottom of the list. He might not get that many jobs down there, but if he can get paid for the other guy’s jobs in Alabama, I guess it all works out just fine — for the mean time!

In any case, let this be a lesson to be learned. If you have children, and you have one of those standard type names like Jack Smith, or David Rutherford, consider a name change. Either change your last name, or name your children something that nobody else would name their kids such as Bullwinkle, Shakazulu, or Pleiades! Think in the future, and pick a name that is out of this world, or at least out of this constellation!

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Two notaries assigned the same job?
http://blog.123notary.com/?p=1060

How many Notaries does it take to screw in a lightbulb
http://blog.123notary.com/?p=2961

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January 28, 2016

I’d rather stop being a Notary than carry a gun

Notaries have very conflicting attitudes about carrying guns. Some are violently against it, while others just see guns as a fact of life. For people growing up in Haiti or Israel, there are people with machine guns everywhere. It is just a fact of life. But for Americans, guns are not so common unless you are a gangster, or drive a pick up truck in a red state. So, how can Notaries defend themselves?

(1) Some Notaries let their husband know where they will be and to call the police if they don’t hear back from them by a particular time.

(2) Other Notaries carry pepper spray. Pepper spray is nice because you don’t do any real harm to the victim. It is not expensive, and not difficult to use. Additionally, you can use it on dogs. In my experience, dogs are more of a realistic threat to Notaries (and mailmen) than humans

(3) Some Notaries always place themselves between the signer and the door so they can run if the going gets rough. You would be surprised how much anger the APR can cause!

(4) At 123notary, we recommend getting advanced training in Okinawan Japanese style Notary-jitsu. Notary-jitsu teaches you how to defend yourselves from the tactics of violent borrowers. You learn to protect yourself from knife attacks, beatings, and small dogs that say “yap.” Yes, this all-inclusive training could save not only your life, but your dignity.

(5) Having a gun. Guns are dangerous. If you use a gun, you will end up in court, and possibly in jail. I am not convinced that having a gun is a good idea, however, in dangerous areas, you might not have a choice. Even in “safe” areas, you could encounter trouble at any time. There are many psycho people out there. They don’t come out all at once — only when you are not expecting it. For some reason, our local taco place has the nicest employees, but the freakiest customers. I have had to call the police once, and on another occassion a woman was beaten so that the thief could steal her mobile phone and then casually walk away — not run, but walk away.

A gun could save your life in an emergency, but pulling a gun could also get you shot. If you can’t pull your gun in time, the gun won’t save you either. Or if someone has you at gunpoint, it is too late to draw. It is up to you to figure out what to do.

(6) Bringing a large flashlight
I used to have a huge flashlight with me when I was doing pizza delivery back in the day. Military flashlights are the only method for being able to read the numbers on someone’s house. They can also be used as a weapon. I used such a weapon to kill once. Don’t get your hopes up, the victim was a rat, not a human. The rat had invaded my bedroom and jumped into bed with me and then ran away. I cornered it and herioically bludgeoned it with a bash to its head. It was all over in a second. He/she felt no pain.

(7) If you were Crocodile Dundee you would bring a huge knife to the signing table. If the signer offered you an apple and was cutting it with a knife, you could say, “That’s not a knife — THIS is a knife!”

It is up to you what types of weapons you use. In my opinion, all women should know some type of self defence. If someone has you from behind, you should know how to stamp on their food and elbow them. You never know when trouble will come, but you should be ready.

.

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Borrowers with guns
http://blog.123notary.com/?p=3329

Bond. Notary Bond
http://blog.123notary.com/?p=8720

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November 11, 2015

The husband was on the run the wife explained

Filed under: Drama & Tragedy — Tags: , — admin @ 1:17 am

One notary was assigned two loan modifications from two companies for the same town. The Notary communicated by phone with the signer(s). The wife explained that they couldn’t sign the loan because the husband was on the run. She had no idea where he was. Personally, I think life would be a lot eaiser if men came equipped with a GPS chip embedded in their forearm, but it doesn’t work that way — at least not in 2015. Perhaps with Obamacare we’ll all be chipped in a few years and have the government know where we are and what we’re doing.

In any case, the Mortgage companies didn’t accept no for an answer and demanded that the Notary do the signing. But, how can you do a signing if nobody is there to sign?

Signer on the run….
Signer on the run…
Can’t complete the signing
Man on the run…

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Go to jail but DO collect $100
http://blog.123notary.com/?p=15361

Notarizing a kidnapper
http://blog.123notary.com/?p=676

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November 5, 2015

Have you ever been tempted not to go into a borrower’s house?

We are all under pressure to make a living and please our clients. But, sometimes you have to use common sense as well. Notaries are called to do signings regularly. You don’t know the condition of the house or neighborhood until you get there.

If George Carlin were a Notary, he would say that going to notary jobs in decrepid homes makes you feel good twice. When you accept the notary job you say, “I’m making money.” When you open the front door and run for your life you get to feel good a second time and say, “I’m saving my life!”

By the way, how’d you like to be a leftover? If they were taking people out to be shot I wouldn’t mind. I might even volunteer! Sorry, my childhood memories of Carlin’s tape stuck in my brain I guess.

Anyway, we have a story about a notary who knew Carmen. This took place years ago. She went into a house that was so filthy, she contracted a serious bacterial infection and had to be quarantined in the hospital. It was like having Ebola. It was called Legionaire’s disease and it was life threatening.

Other times, the house has rats, or other unclean animals running around. Sometimes it is the humans who give you the creeps. Carmen did a job years ago for some guy with long toe nails. Every time he walked around you would hear the click click click of his toenails.

Don’t feel bad by refusing to go into a house. You might be saving your life, sanity, or well-being. Just Google your nearest Starbucks and request that the signing is done there.

.

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The lady and the handwritten will (her house was a complete mess)
http://blog.123notary.com/?p=3609

Borrowers and their filthy homes
http://blog.123notary.com/?p=2214

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August 6, 2014

A frustrating 4-hour signing

This was by far the MOST FRUSTRATING closing I have ever done. This should have been a very easy job – a standard purchase loan. However, the real estate agents dragged this on for 4 hours! Unbelievable! They were just making trouble with every detail even though nothing was wrong with anything on the documents themselves. One of them kept repeated everything I said. She questioned everything on the document. They were bad mouthing the title company in front of the clients. They were cussing in front of the clients and being extremely unprofessional. They made the entire situation extremely unpleasant, lengthy, and unnecessarily difficult.

Note to self : do not work with these realtors ever again, and do not ever let the realtors take control of the situation. Lesson learned!

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May 26, 2014

Notarizing Female Accessory to Murder!

Notarizing Female Accessory to Murder!

This story was told to me by a North Carolina Notary Public

A North Carolina Notary Public was called in to do yet another jail notarization. But, this one was different. The lady who had been locked up had not committed a crime, other than failing to report a crime that she knew about! But, the punishment was severe! She was locked up for months and with no visitation rights!

It all started out months before. A 20 year old guy was dating a 30 year old girl. The girl dumped him and started dating a 32 year old guy. The 20 year old guy was upset when he saw them together in a pick up truck. He jumped in the bed of the truck and the older guy threw him off of the truck. The 20 year old guy died. But, there’s more!

The father of the younger boy who died got taunted by the other locals. A few mockingly said, “Sorry about your kid.” The taunting and mocking kept on happening and the father was getting steamed. One night he got really drunk and had his sister (This is the father and the father’s sister — just to keep the characters straight). They went to a local store to buy supplies. But, at the store, the father saw the 32 year old who had killed his son. The father shot that 32 year old dead on sight! (sorry for the bad grammar) The father went back into the car. Later he told his sister what had happened. The sister went to the police 48 hours later and was locked up for not reporting it earlier. She was an accessory to murder.

Anyway, to make a long story short, the sister and father were getting a loan notarized with a North Carolina Notary Public so that they could afford legal expenses. Personally, I have never heard of any story like this before. It sounds more like something you would see on television or in a movie — but, this one is actually true, and took place in Transylvania County, North Carolina of all places!

Tweets:
(1) A lady is locked up for not reporting the murder her dad committed.
(2) They had to sell their house to afford the legal expenses for a revenge killing

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