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June 11, 2013

She ran through the house like a mad woman…

It amazes me, still to this day, how there are loan officers and/or individuals that are involved in the loan process that just don’t do their job. Why is it that some of the borrowers still don’t have the numbers or worse yet have no idea that we are coming? But the Signing Services impose that stupid rule of not calling before you go. These things are just plain unprofessional and unacceptable. And more often than not it causes problems for US at the signing table.

Here is another incident of us having to deal with problems at the table. Which most likely could have been worked out beforehand.

Once of our notaries received a job form one of her SS regulars. She confirmed the place, fee, type of loan and that there were to be two borrowers and the appointment was scheduled. On that day she printed and went on her way. She arrived at the closing. Did the required what I call housekeeping (you know: journal entries, thumbprints, etc). She had given the borrowers (wife in this case) their set of documents which is always recommended so they can have something to do while you do your duties. And as the wife is going through them page by page, she sees something within the documentation that sets her off. She begins yelling how ‘this cant be right’. Interest, closing costs? Who knows at this point because she never really says. The husband asks her what in the world was wrong, but no answer. She then abruptly gets up from the table. The husbands asks her again what is wrong and asks her to see what she is talking about and as he tries to reach for the paperwork from her, she starts moving away from his grasp all while still ranting on about how ‘this couldn’t be right’. The husband then gets up to go after her and she starts running from him. So, here they are with the wife running and the husband in chase. The notary is thinking she has just entered a madhouse of nuts.

The Notary is in shock and can’t believe what she is seeing. So, while they are running through the house, the notary calls the signing service and informs that what has just happened. The notary explains the best she can and the good news is that they can hear all of the commotion going on over the phone. No one really knows what to do. And neither of them know what has set her off. But, If I were asked to make an educated guess I’d say it would be the interest rate and I bet the loan officer hadn’t been in touch. But who knows, it could have been any number of things.

The signing service instructs the notary to get the documents back if she can and try and find out what the borrower(s) concerns are and inform the borrower(s) that they will do their best to get things corrected. And while the borrowers are still running through the house the notary try’s her best to convey this. But they are now in their own little world, with wife running and the husband still in chase, trying his best to calm his wife and find out what is wrong. The notary is not a able to get the docs back nor convey the message. So she just bids them both farewell and departs the home.

And for those curious minds, when the notary shared this story with me it had been only a day or two since this had happened and she hadn’t been called back. So I don’t know if she ever went back. Though, I doubt she would want to. 🙂

Until next time. Be safe!

~Carmen

Tweets:
(1) Some signing co’s have the stupid rule of not calling the borrowers before u go which leads to #madness!
(2) Another incident of having to deal with problems at the table which could’ve been worked out beforehand.
(3) The wife abrupty left the signing table & ran thru the house w/the husband chasing her. What a bunch of nuts!

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http://blog.123notary.com/?p=21898

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5 Comments »

  1. Kinda reminds me of part of a song:
    C.w. Mccall: The Battle Of New Orleans Lyrics

    Well, they ran through the briars and they ran through the brambles
    And they ran through the bushes where the rabbits couldn’t go
    Ran so fast that the hounds couldn’t catch ’em
    Down the Mississippi to the Gulf of Mexico.

    Comment by Kenneth A Edelstein — June 12, 2013 @ 3:03 pm

  2. This is the reason, I never give the borrowers their copies until we are done signing, otherwise, I have had them going through their copies instead of letting me go through their package with them and pointing out the specifics they need to know.

    Comment by Linda Cox — June 13, 2013 @ 6:28 pm

  3. Let me add an additional insight. Although I am not a mental health professional I have come in contact with Individuals who have emotional disorders and she sounds like a real nut case that the husbond just deals with without realizing he is married to a loony.

    Comment by Alan — June 17, 2013 @ 2:35 pm

  4. Exactly what SS doesn’t allow you to call to confirm appointments??? I havnn’t found one yet that allows this.

    Comment by Deanna — November 11, 2013 @ 5:34 pm

  5. There are a few companies that say, just go, even if you can’t reach the borrowers. No, I don’t like that. I stopped working for one company because I’d show up and the borrowers either were not home or had no idea I was coming. They’d usually say, “oh,I was told you were going to contact me on this day to schedule, not that it was scheduled”. This company always paid a partial fee for printing/no sign. But it always felt like a waste to print, drive over and then sit there for a half an hour (their requirement) inthe driveway waiting to see if the borrowers would come home.

    Also, I of course check ID’s and compare to the docs as soon as I get there but don’t fill out your books at the start of the signing. All those wasted entries that now have to be voided out because they didn’t sign. I mark them down as we go and fill out their information right before they sign my book.

    I also don’t give them the copy until we are finished. I keep it within my reach. That way they can’t get distracted going through it and can’t mix up the packages.

    Comment by Christina — November 18, 2016 @ 12:54 am

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