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April 8, 2012

Don’t put the Fedex in the drop box!

Please, no drop boxes!

I know a lot of you use drop boxes (Fedex, UPS, etc) to drop your document packages. And before you say it, I know some of you have no other options that are close to you. In this case your options are limited. You are forgiven. Maybe you have had issues with drop boxes or maybe you haven’t. But, regardless, it is something to consider, if at all possible please don’t drop your packages in drop boxes. Because, if you have bad luck and the documents get lost; and you have no documentation; It can cause you a great amount of grief, stress and aggravation; and  in the end it could cost you a valuable client.

Loan package with a hefty cashier’s check thrown in a drop box

To give you an example, here is one story of several that has been shared with me. I had an Oregon notary just the other day call in to 123notary. From her tone she was obviously very upset. It seems she had completed a signing successfully and had dropped her documents on a Friday in one of those infamous drop boxes of Fedex. It was now Tuesday, and she got that dreaded call: the title company still hadn’t received the package.  I thought to myself, this is going to be bad. When this Oregon notary public and title went to track the package, there was no tracking information available. To make matters even worse there was a substantial amount in a cashier’s check also in the missing package. The assignment that had been given to the Notary in Oregon was for the paperwork that was to be used to purchase the property. So,  now everyone is upset and confused as to what to do.

Get your tracking — people!

Now in my mind, I’m thinking why in the world would you drop a set of documents in a drop box, especially with a large amount in a cashiers check. This to me this is a disaster waiting to happen.  The first thing I let our Oregon notary friend know is that unless absolutely necessary, you should always hand your packages to a driver and ask him to scan them or take them to hub or staffed service center, have them scan them and  get a receipt. This way YOU are off the hook. Which brings me to another point…

Hand fill the shipping labels

PLEASE remember when you are required to hand fill out the shipping labels with the client; title-escrow etc  account numbers you should always list the person that you are shipping to as the recipient and as the shipper. Do NOT use your information at all. This will serve two purposes. One-if the envelope is lost, it will not come to you it will just automatically go to the company that hired you. Two- if the company has not paid their bill you will not get charged for the service. Currently I have about 3 notaries battling with Fedex on this matter (cause they put their name as the shipper)and they are in collection status with them. Be careful! This can cause you a great deal of trouble with UPS, Fedex etc. and worst of all it will effect your credit if you cant straighten it out. You will have to pay it if you cant prove to their satisfaction that, you were hired by a 3rd party.

Now I understand that some of you may not be near a hub or have a location that you can go into to get a scan or receipt near by. But for those of you that do. It is better to safe then sorry. Always try to get a receipt or have driver scan your packages for you. This will protect you. For me, I need to know where my documents are at ALL times.

Now,  unfortunately as of today I haven’t heard back form the notary in this situation so I cant give up an up to date  but I am confident if those documents didn’t turn up everything would have to be redone…and all I can say is what a mess. If and when I hear from her I will let you know….Just remember: No drop boxes if you can help it…

Thank for reading and be safe…until next time!

PS — Jeremy did a signing ten years ago that was put in a drop box.  The documents were missing for a week.  The signing company eventually called Fedex — and you will never guess where the documents were.  They were still down there at the bottom of the drop box, and getting very cold by this point!  The driver who was assigned that drop box had quit and his replacement wasn’t given good instructions as to which drop boxes to pick up from every day!

Tweets:
(1) You could lose a client if you put a FedEx in a drop box on the off chance it never gets picked up.
(2) Sooner or later, the FedEx you put in a drop box won’t get picked up. Be safe & take it to a hub!
(3) If you put a FedEx containing a cashier’s check in a drop box, that is a recipe for disaster!
(4) Once I put a FedEx in the drop box that never got delivered. FedEx found it a week later still in the box!

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Should you send the Fedex right away?
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What tasks can you do which are worth $1000 per minute?

Compilation of Notary stories on the blog categorized
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Comparing journal entries to Fedex signatures
http://blog.123notary.com/?p=19375

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January 10, 2011

The Notary, The Mafia & The Fedex Drop Box

An uneventful signing
It was a gray Monday afternoon in the first week of November. Kary went to her signing with the Thompsons. They signed the documents without too much reading or complaining. Kary had one other signing after that. When all was done, she made her way to the Fedex drop box. She had a habit of always going to that same drop box. It was near her home, and it felt like a safe place to go at night, being a single woman.

Luckily for her she was nowhere near the San Diego mayor’s office.

The Sopranos were en route to the same location she was
This poor woman’s luck — she ran into someone who was still mourning the loss of the great James Gandolfini AKA Tony Soprano. He was such a fan of the show that he decided to pull a mafioso type move on this poor unexpecting woman. This thug Tony Baritone had been in the drug trade for years, but wanted to step it up a notch. His old M.O. was meeting for the swap in a dark alley, giving them the briefcase, taking the package — you know the drill. But, he wanted to do it more like they do in the movies this time. This was his first attempt at simulating the panache of his television alter-ego.

Just about to drop the FedEx and…
So, this woman was just about to drop her package in the box. Her finger was on the handle of the box. She noticed a large garbage backing up about 50 feet away. She disregarded the truck whose distinctive oder was wafting her way. She put the Fedex in the Fedex drop box, and then proceded back to her car. The garbage truck nearly ran her car off the road as she left her parking space. It was so abrupt, she stopped the car to get out and see what this maniac’s problem was.

The garbage truck backed up
The truck had backed up almost into the Fedex box, and had jaws that clamped the Fedex drop box and tore it from its bearings and lifted it into the truck. The woman started screaming, “What are you doing? Are you crazy?”

Blonde #2 appears
Then another blonde lady appeared out of nowhere who looked almost exactly like the notary. She was the same age, same hair color, and same height, and also had a Fedex package that she wanted to drop. The other lady looked very puzzled. She said to herself, “Wait a second, my instructions were to put the Fedex in the drop box and leave — but, that truck just took the Fedex drop box away!” Blonde #2 (also an unnatural blonde) was unbeknowingly carrying $10,000,000 in drug money that she was to deposit in the Fedex box — which was to be removed by the garbage truck. But, their plan got foiled.

We have to get rid of the witness
The driver said to his friend, “We have two problems — the money is not in the Fedex Box, AND, there’s a witness. We need to get rid of the witness, but I can’t tell them apart.”
His friend said,“You have to look for the roots, real blondes have roots — our blond is a real blonde!”
Driver: “No she ain’t, I’ve seen the broad before, she has a different hairstyle every several months”
Friend: “So, you can tell the two chicks apart!”
Driver: “Not from this distance without my glasses. Let’s get my money first. The broad with the package has the money.”

The mafia chases the blonde
So, the driver and his friend jump out of the truck (which is parked in the middle of the boulevard) and run towards the blonde with the Fedex. The irony is that she doesn’t know that they are the intended recipients of the package because her instructions were only to “Put the Fedex in the drop box”. So, she runs away from these scary people — who are actually her boyfriend’s best friends, and the ones who gave the $10,000 to her boyfriend to pay her to do the drop. Meanwhile the notary lady decides to chase after these scumbags to get them to give her package back.

She loses them and then finds them
In the heat of the chase, she loses them, and then finds them again. The other blonde escapes from these thugs, finds the drop box in the back of the garbage truck, puts it in, and runs away. Meanwhile, notary lady catches up to the thugs, and throws her embosser at them — leaving a raised seal of disapproval (in the form of a bruise) on the now unconscious mafia garbage truck driver’s left temple. The irony of the story is that the character with the concealed weapon is not one the mafia characters, but is the notary who was carrying a stainless steel embosser.

The Notary recovers the loan docs
After that, the driver’s friend ran away and the notary proceeded to the unattended garbage truck to pick up her package. She picked up the highest package in the box in such a hurry, she didn’t realize that she had picked up $10,000,000 in dirty drug money. She gets in her car and drives off with her “loan docs” finally in her possession again. She calls the signing company and lets them know about the problem. Then, she proceeds to her nearest staffed Fedex station — where there won’t be any garbage trucks (let’s hope). She pats the package in glee to have gotten it back after a small altercation. But, she notices a distinct bulge in the package that didn’t feel like loan documents.

But, what she had was not really the loan docs after all
The five seconds after she realized that her loan documents were not in her possession, she saw a large garbage truck driving down the street.

Mental note to self: “Take out the garbage”

Tweets:
(1) A notary bumps into Toni Baratone at a FedEx drop box
(2) The garbage truck tore the FedEx drop box from its bearings and took it away!
(3) “We need to get rid of the witness, but I can’t tell the 2 blondes apart”
(4) The Notary takes $10 million in drug money to the Title company by accident.

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More on Snapdocs, the Uber of the Notary industry
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June 7, 2016

And Drop Off The Package

And Drop Off The Package
You did “almost” everything right. The call was logged and scheduled. You confirmed with the borrower. The signing went smoothly in every respect. All required “pick ups” were included. When you printed the docs you also printed a separate PDF with the FedEx airbill. You slip the airbill into the pouch, seal the envelope and, well prior to pickup time, the package is dropped off. Mission accomplished, check to follow.

Perhaps not, considering the rather outspoken title person making your cell phone’s speaker vibrate violently. “We got our delivery, it was not delivered; where did you leave it – at a local bar?” That’s certainly not the case. It was only yesterday afternoon; you clearly recall bringing it to the local FedEx office – NOT a street side drop box. There was a long line for the sole representative on duty at the time. Usually you hand it over the counter and ask for a “drop off receipt”. But, as this was so very routine, and the wait would be long – you slipped it into the drop box IN the FedEx office. You have done this dozens of time before, never a problem.

Without a drop off receipt to scan and email, you have no proof of drop off. So, you make the trip (as demanded by title) to the FedEx office. It’s a long wait, but eventually you get to speak to the office manager and explain the situation. “I have good news for you”, sayeth the manager, “I have the package, let me get it and return it to you!” Not really good news, but better than no news. Soon the manager returns and hands you the envelope. “Why did you not ship it? – it has a prepaid airbill”.
“That may look like an airbill to you but it is totally illegible! My staff was not able to read the account that would be paying; also the scanner could not read the bar code. We were hoping you would return to claim it”. Groan. You know that if you had waited for the drop off receipt, it would have failed the scan – while you still had time to do something. Now it’s the next day and the title people are having fits. Of course the blame will be on you. They will claim that you did not print the PDF properly. They will ask why you shipped an illegible airbill.

It kinda sounds like a 60 yard touchdown run, only to trip over one’s untied shoelace at the one yard line. The call to title yields the expected results – colorfully. They insist that you, while at the FedEx office – FAX the entire package immediately. You must also rent some PC time to print a replacement airbill so it can be shipped while you are there. This time they explicitly ask for a FAX of the drop off receipt. They consider you a klutz that needs micromanagement.

With demands accommodated, you return home to reprint that PDF with the airbill. Just as you suspected it was sent as garbage – nothing you could do would make it print correctly. However, if you had given it a glance at “doc print time” you would have noticed the problem. At that time you would have been able to call the sender and get a replacement PDF, or, at least the proper charge code to use on a hand written replacement airbill. But you did not catch THEIR error.

When I was a kid we used to play Tug of War. A long thick rope, us kids holding on each end with a gigantic mud puddle in the middle. The team captain would be at the end of the rope, with the rope tied around the captain’s waist. The losing team kids would let go prior to the mud puddle. Being last in the chain, like a signing agent; the team captain was dragged into the mud.

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October 14, 2018

INDEX — Best Notary Comedy Articles 2010 to 2014

Filed under: Best Humorous Posts,Compilations — admin @ 11:42 pm

These posts are in order of popularity and quality.

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Funniest things that happen to signing agents
http://blog.123notary.com/?p=55

The signing from hell
http://blog.123notary.com/?p=765

A social media site for Notaries — Affiant
http://blog.123notary.com/?p=6410

Seinfeld episode about a Notary
http://blog.123notary.com/?p=10208

Notary Apps for the iPhone 7 you’ve never dreamed of
http://blog.123notary.com/?p=10977

Vampire Notaries: 24 hour service
http://blog.123notary.com/?p=4094

3 Notaries walk into a bar
http://blog.123notary.com/?p=3660

Family Guy — Peter joins ISIS by mistake & needs Notarized conversion
http://blog.123notary.com/?p=10507

The Notary, The Mafia & The Fedex Drop Box
http://blog.123notary.com/?p=6867

My Date with Jeremy
http://blog.123notary.com/?p=4473

Two and a half Notaries! A Notarization experience
http://blog.123notary.com/?p=8974

Witnessing intake forms for Notary Heaven
http://blog.123notary.com/?p=8832

Welcome to the Notary Hotel
http://blog.123notary.com/?p=8822

Honey, I notarized the kids
http://blog.123notary.com/?p=7030

Two and a Half Notaries — detering Notary fraud
http://blog.123notary.com/?p=10452

Notary Cheers: Sammy gets a name change form notarized
http://blog.123notary.com/?p=10016

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

A 2nd date with Jeremy
http://blog.123notary.com/?p=7074

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September 22, 2018

Compilation of Stories on the blog categorized.

Filed under: Compilations,Stories — Tags: — admin @ 8:19 am

Here is a more organized way to reference Notary Stories.

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TOP
Notary airport
http://blog.123notary.com/?p=17062

Racial issues at a signing
http://blog.123notary.com/?p=19220

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

The Notary union raises it’s rates and alienates notaries!
http://blog.123notary.com/?p=19648

Notary STARBUCKS – charging for waiting time while sipping Sumatra
http://blog.123notary.com/?p=18926

Carlette’s Signing Story
http://blog.123notary.com/?p=19020

The sexting notary
http://blog.123notary.com/?p=19727

What are Jeremy’s favorite blog entries?
http://blog.123notary.com/?p=18837

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DRAMA

Why Notaries don’t last
http://blog.123notary.com/?p=4087

Notarizing for an adoption
http://blog.123notary.com/?p=3267

Artificially inflated rates at a signing
http://blog.123notary.com/?p=16128

We are a notary directory and therefore should not discuss certain topics
http://blog.123notary.com/?p=20073

The signer who passed out and slid under the table
http://blog.123notary.com/?p=15810

Two guys with the same name; One cashed the other guy’s check!
http://blog.123notary.com/?p=16102

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CRIME & DANGER (physical or financial)

Murder in a building a week before the signing
http://blog.123notary.com/?p=19272

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

One of our notaries helped put three dangerous felons away!
http://blog.123notary.com/?p=19471

Reverse Blackmail at a notary signing
http://blog.123notary.com/?p=7071

Stealing a business name
http://blog.123notary.com/?p=2660

The Notary Police
http://blog.123notary.com/?p=19702

We caught some frauds who stole credit info at a hotel
http://blog.123notary.com/?p=20090

Have you ever been tempted not to go into a borrower’s house?
http://blog.123notary.com/?p=15369

The Notary, The Mafia & The Fedex Drop Box
http://blog.123notary.com/?p=6867

A Notary gets sued and E&O won’t help out!
http://blog.123notary.com/?p=2910

Notary in Louisiana murdered in home invasion
http://blog.123notary.com/?p=925

Compilation of mafia related posts
http://blog.123notary.com/?p=20352

Two Notaries with the same name
http://blog.123notary.com/?p=19100

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GENERAL STORIES

The Notary union raises it’s rates and alienates notaries!
http://blog.123notary.com/?p=19648

Notary STARBUCKS – charging for waiting time while sipping Sumatra
http://blog.123notary.com/?p=18926

Carlette’s Signing Story
http://blog.123notary.com/?p=19020

What is your favorite notary password?
http://blog.123notary.com/?p=19224

A notary complains about the instructions
http://blog.123notary.com/?p=19733

The stolen loan package
http://blog.123notary.com/?p=15395

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

A Notary finds a document notarized by Jeremy in 2001
http://blog.123notary.com/?p=19338

Why you don’t want to be a notary in NW New Mexico
http://blog.123notary.com/?p=18972

Notary university
http://blog.123notary.com/?p=17039

Notary Jury Duty
http://blog.123notary.com/?p=15838

Don’t ask don’t tell
http://blog.123notary.com/?p=17037

The notary corporation
http://blog.123notary.com/?p=17032

If you can notarize here, you can notarize anywhere!
http://blog.123notary.com/?p=16998

Here is how your home will be drained of its equity
http://blog.123notary.com/?p=18924

I’ve been doing this 20 years
http://blog.123notary.com/?p=19910

How Piano lessons changed my life
http://blog.123notary.com/?p=19891

I have a dream
http://blog.123notary.com/?p=19207

The Notary Model
http://blog.123notary.com/?p=19286

The Frustrating 4 hour signing
http://blog.123notary.com/?p=15760

Welcome to the notary casino
http://blog.123notary.com/?p=15255

Notarizing a tax preparer
http://blog.123notary.com/?p=15014

I was forced to forge my own signature in India
http://blog.123notary.com/?p=20036

A Notary was in court due to a suspicious marriage
http://blog.123notary.com/?p=20034

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123NOTARY

My best 100 days and Carmen’s worst
http://blog.123notary.com/?p=20030

All about 123notary

All About 123notary

2016 timeline – a year in review

2016 Notary Timeline – a year in review

Jeremy’s bucket list

Jeremy’s bucket list

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April 2, 2018

Compilation of Mafia Related Notary Posts

Filed under: Compilations,General Stories — admin @ 10:27 pm

Here are some posts about the Mafia’s relationship with the Notary world. They are all fictional, so please do not call the FBI about this one!
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MAFIA POSTS
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The Notary, The Mafia & The Fedex Drop Box
http://blog.123notary.com/?p=6867

Tony Soprano Gets Notarized
http://blog.123notary.com/?p=14897
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RELATED POSTS
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Fraud & Forgery related to the notary profession
http://blog.123notary.com/?p=2294

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

Notary Housewives
http://blog.123notary.com/?p=14721

Psych Episodes (psychic detectives who fight crime)
http://blog.123notary.com/?tag=psych

We caught a bunch of frauds using Notary verbiage
http://blog.123notary.com/?p=7096

Why keep a journal? Don’t wait until you get a call from the FBI
http://blog.123notary.com/?p=19377

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MURDER RELATED POSTS
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Murder in a building a week before the signing
http://blog.123notary.com/?p=19272

.

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Scenarios: The Frank camping trip question

Filed under: Loan Signing 101 — admin @ 12:17 am

Frank does a loan signing on Monday and drops the package in the drop box at 3pm, calls in the tracking number and then wants to go camping. How many days should Frank wait before embarking on his camping trip and why?

I think that Frank should wait until he confirms with the Lender that the package has been looked over in its entirety, or until the rescission date, before going camping. If there is any issue, they might need Frank’s immediate communication and cooperation. Notaries who are not responsive after signings get regular complaints on our review system.

But, let’s review why you should wait and how long you should wait.
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1. Camping = not responding to emails = complaints
The most common source of complaints in our review system is due to Notaries who are either rude, make Notary mistakes or are unresponsive after a job has been completed. Sometimes the Notary forgets to send the documents in, and sometimes they just don’t answer their email when there is an issue or question with the documents that were sent in. If you don’t respond, you get complaints. If you are camping, you might not be in a position to answer emails quickly and might not have internet access.

A lot of wise guy Notaries say that they would take their laptop camping and that they only go to a camping spot where there is internet. I think these Notaries are personalizing the question rather than answering it based on general sense which dictates that camping spots are normally out of circulation and that the question is not about THEIR camping spot, but about camping spots in general.
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2. Types of issues
If you hand in loan documents, there might be several types of issues.

(a) A missing document. Perhaps Title never included it in the package, but you will be questioned and blamed if it does not come back to them.
(b) A missing signature or initial. This one is your fault and it will come back to you within a day of receiving the documents.
(c) Recording issues normally happen after day five and are rare. Your stamp’s impression might be too light or some arbitrary and nitpicky complaint about your seal could happen. You cannot hold yourself hostage forever, so focus on more common issues.
(d) Fedex was delayed for some reason. If so, you get called and you have to answer questions about where you dropped the package, when you dropped it, what the tracking number is, whether you gave it to a person or put it in a box, etc.
(e) A missing check or document that was to come from the borrower and be included in the package.
(f) A redraw and resign. Perhaps the borrower decides they want to change something about the loan and there needs to be a resign. This happens from time to time and you will get called if it does.
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3. Timeline
If there is a problem with a loan, it is unclear how fast you will find out about it. Here is my approximation of a timeline.

Day of the signing — the loan gets signed and dropped in a drop box hopefully at a manned Fedex station or other courier station or box. If the package gets dropped after the cut off, it doesn’t get picked up until the next day or early evening.

Day 1 — An overnighted package might be received on this day, the day after the signing which I call Day one since the day of the signing doesn’t count as a day in the rescission calendar. You might hear from someone on this day if there is a problem, but it is more likely you will hear from someone on day two.

Day 2 — A 2 day air package or delayed overnight package will probably arrive on this day. Just because the Lender received the package doesn’t mean they looked at it in its entirety yet. It might be sitting on their desk. You are likely to hear from someone on day two, but not necessarily.

Day 3 — By this day, the package will most likely be received and looked over. But, a few stragglers might still not have looked over everything and the secretary might still have the package in a pile on her desk.
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Day 4 — By now, the right to rescind is probably over or will be over by midnight if there was a Sunday or Federal Holiday within the four calendar days. It is probably safe to go camping now.
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Day 5 — If there are recording issues, those might surface after day five, but are rare, so don’t lose sleep over them.

4. When is it safe to go camping?
If you alert your client in writing before the signing happens saying that you are out of circulation and that if there is a problem, you are on your own — you still might get blamed, but at least you put the alert in writing.

I would wait until day four to go camping OR call the Lender and make sure he/she has looked over the entire package before going camping. Sending the package by fax and having them inspect it the afternoon you completed the package is yet another option if they are available to inspect it. Most issues come to surface on day two or day three, so by day four you are likely to be off the hook. Check your emails once a day anyway just to be a good service provider.

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How to lose half your clients while on vacation!
http://blog.123notary.com/?p=596

Typical things Notaries do wrong!
http://blog.123notary.com/?p=58

Notary Marketing 102: Phone & Communication Etiquette
http://blog.123notary.com/?p=19764

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December 12, 2017

The Notary Profession is a Profession — act like it is!

Filed under: Marketing Articles — Tags: — admin @ 3:52 am

Carmen and I are tired of Notaries treating the Notary profession as if it is a quick way to make some cash on the side — Make a few extra bucks — five bucks here, ten bucks there. This is a very bad way to look at the profession. First of all, there is liability in this profession. You can get sued even if you don’t do anything wrong. People are doing big deals that are being Notarized. If something goes wrong, they can sue you for a few thousand dollars. If the Lender did something fraudulent, you might get wrongfully sued too. If you put your package in a drop box that doesn’t get picked up and the borrower loses their lock — guess what could happen? You get the idea.

The root of the problem lies with the states who mostly have low requirements or no requirements for being a Notary. If you are 18 or over, not a felon and are breathing, you can be a Notary. Being a notary is a profession that safeguards the transactions of multi-million dollar estates. Any lack of integrity or caution on the part of the Notary can lead to disaster.

Imagine that you Notarize John Hancock only to find out he was a different John Hancock and siphoned a million dollars of equity from someone’s estate. You might end up in court as a witness, accomplice, or get sued for negligence. You have no idea what you are playing with in this profession. You have to be careful what you put your stamp on. You might step on a mine.

Many Notaries also think that because their state has minimal requirements, that it is not necessary to go above and beyond your state minimum Notarial behavior — this is wrong. If you don’t keep a journal, don’t use an embosser and don’t thumbprint, you can get in huge trouble.

Think of state requirements like you think of speed limits. If the law says you can go 100 on the highway as was the case in Montana in the past and perhaps present, that doesn’t mean you are safe doing so. There could be deadly accidents. Just because you slow down to 95, you think you are being prudent, but are you really? You are still going faster than is safe. You can blame the state, but you are responsible for your own behavior.

Most professions have licensing tests that you have to take every year or two. Some professions make you take a test of 200 questions to make sure you understand all of the regulations and standards in your industry. The Notary profession has NNA tests that are taken every year or two. California has an exam you take every four years. But, people complain when I want to ask a few questions. People try to convince me that they know it all and don’t need to be tested because of all of the years they have been in business. These are the same people who score 20% on my quizzes.

Once again, the Notary profession is a profession — treat it like one. You should be quizzed every year on all the sites you are on. Since the states do not test your competency, I am forced to. It is a huge waste of my time and really frustrating dealing with all these resistant and incompetent people who think they are so smart.

If you really are so smart, just answer the questions, get an A, and then get on with your day. It would take two minutes to test people if they just knew the answers. The problem is that they resist, and then have to think about everything I ask, and then want to argue, and I need to teach them things and a simple quiz can take fifteen minutes that should take two minutes if I were dealing with professionals. How upsetting and what a waste ot my time.

To be a professional you need to do more than study. You need to master the art of being a Notary. You need to know everything and skip the snow job of trying to convince others you know everything when you don’t. The con jobs are getting very old. I have heard it all too many times. I really don’t even want to list such people. 123notary is a directory for professionals, not posers. At least that is the word young people use these days. When I was growing up we didn’t use that king of language, we said fakers.

You might also like:

Would you accept a signing without a confirmation?
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http://blog.123notary.com/?p=22287

I’m a high end notary in a low-ball world
http://blog.123notary.com/?p=22263

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November 7, 2017

The grace period after your signing

Filed under: Best Practices,Popular on Linked In — admin @ 1:03 am

Most Notaries are only concerned with making a living. It makes sense. I was the same way. This is why Notaries should get paid more so that they can be more conscientious and less worried about making a living.

After you do a signing, you might be needed for what the Japanese call, “Afta-sahvice.” That is their way of saying After-Service. After you do a signing, you might get emails and phone calls if there is something wrong. The Lender might need a tracking number. They might want to know about the ID of the signer. What if your stamp didn’t come out clear enough or what if you botched a notarization or missed a signature. Maybe the recorder objected to your seal which was too light in the corner. Even the best of Notaries make mistakes from time to time. The point is not to be perfect, but to be available (kind of like being a foster parent.)

I asked many Notaries this question:

“If you do a signing and want to go camping after the signing, how many days (if any) after you drop the Fedex in the drop box should you wait before you go camping or out of town, etc?”

Here are the answers.

1. None
(My commentary) You are leaving the signing company high and dry, but they are probably only paying you $60, so they deserve it.

2. Until they get the package.
(My commentary) The Title company might not realize there is a problem until a day or two after they get the package. Additionally, Title companies are notorious for unstapling notarized documents and losing acknowledgment forms stapled on. So, after they get the package isn’t long enough if you want to be considerate.

3. A day
(My commentary) The Title cmpany might not even get the package after a day. If you missed the Fedex cut off, and Fedex is slow, it might be two or three days before Title gets your package.

4. Two days
(My commentary) The Title company might just have gotten your package after two days. They won’t know there’s a problem until they review your work and it might sit on the secretary’s desk for a while.

5. Seven days
(My commentary) Why seven days? If the Title company gets the package it will be processed and the loan will close and fund within three to six days. Seven makes no sense at all. The person who said seven days did poorly on other questions.

6. Three days or until the rescission period is over
(My commentary) This answer is much more intelligent and well reasoned. If there is a problem, the processor will probably find it before the end of the rescission period which might be three or four days depending on whether or not a Sunday or Federal holiday.

7. Indefinitely
(My commentary) What? You are the servant of a signing company forever for a dumb $60 signing. This is like self-induced slavery. You can’t possibly mean that. Illogical. That person who said indefiniately failed my test by getting other answers wrong.

The “Correct” Answer
It seems to me that if there is a problem that requires the Notary to go back to the signing, it would reveal itself within the period of day two to day five. If the package did not arrive, on day two someone might request a tracking number which you should text them upon completion in any case — but, they might lose the text or the text might not go to the recipient but to the signing company. If there is a problem with a notarization it might be discovered on day two, three, or four, but most likely on day three. If there is a problem with the county recorder, it might not be detected for five to ten business days. The best answer for time sensitivity would be three to five days. However, if you need to go camping, you cannot just not do any signings for three to five days because you have to make a living. So, just let everyone you work for know your schedule ahead of time and let them know that they are responsible for the risk they are taking in hiring you when you will not be around to clean up any messes.

Use at your own risk!

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You might also like:

Notary Public 101 Scenarios: The Frank Camping Trip Question
http://blog.123notary.com/?p=20007

How to lose half your clients while on vacation!
http://blog.123notary.com/?p=596

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November 1, 2017

Notary Public 101 — Real Life Notary Scenarios

Return to the table of contents of Notary Public 101

Knowing how to be a good notary is all fine and good. But, if you don’t know how to handle scenarios, you might get into some sticky situations.

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1. Confirming the signing
When you call the borrowers, go over the:
Date, Time, People Signing, Location, if there is a check or wired funds, if they have 90 minutes to complete a signing, and any fees that seem critical in the CD or HUD. Additionally, you should have them read the names in their ID to make sure they match, …read more…

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2. The name on the ID says John Smith
Q. The name on the ID is shorter or not matching the name on the document? What do you do?
A. Ask for other ID. If they don’t have it, if your state allows credible witnesses, use them to identify the signer. You can always… read more

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3. Rectify errors on Notary certificates
Most Notaries like to cross out and initial changes in certificates. Keep in mind that these are legal documents affecting million dollar properties. Cross-outs look like tampering. It is CLEANER to take a fresh acknowledgment form from your Notary bag … read more…

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4. The signer would not sign the flood disclosure.
If you go to a signing at 11am and the signer signs everything except the flood disclosure, what do you do? You call the contact person or people in title or lending. If they do not call you back, you cannot stay at the borrower’s house all day long. Let’s say you leave …read more…

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5. The green pen scenario
You go to a signing, open the package and the instructions read:
Sign in GREEN, don’t call unless it is an emergency, get it to Fedex on time or you are fired.
It is 5:30, last pick up is at 6:00pm. Nobody has a green pen. There is a stationery store in the same complex …read more…

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6. Ten grant deeds.
If you have one signer signing ten grant deeds, you need to do the following:
Create ten journal entries, one per person per document. Put thorough information about who the grantor and grantee is, a thumbprint, and …read more…

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7. The FBI is at your door.
What piece of information will they want from you if someone gave you a fake ID?
A journal thumbprint. If you don’t keep one, start now… read more…

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8. What types of pads of forms should a Notary keep in his/her bag?
Acknowledgments, Jurats, Copy Certifications. Skip the POA forms. Have them consult an Attorney. I carried permission for minors to travel. I created my own very thorough form with room for thumbprints. The Mexican authorities loved my form!… read more…

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9. Chad assigns a job to you. He says if there is a problem, call him and only him. If you can’t reach him, then email him. You get to the signing, the signer signs half the documents and then has a question. What do you do? Call Chad and if he doesn’t answer then email him. Many Notaries just don’t follow directions… read more…

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10. Frank does a loan signing on Monday and drops the package in the drop box at 3pm, calls in the tracking number and then wants to go camping. How many days should Frank wait before embarking on his camping trip and why? I think that Frank should wait until he confirms with the Lender that the package has been looked over in its entirety or… read more…

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11. What entities might want to see your Notary journal?
I have gotten in hundreds of arguments with notaries from states all over the county. Those who live in states where journals are not legally required think they will not get into trouble if they don’t have one. If you end up in court, your journal is your only evidence of what happened. You might become a witness for a long case or a defendant if … read more

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12. Hospital signing issues
Have you ever done a signing in a hospital? You should be prepared, because one day you might do it. There are many issues that come up in hospital signings. First of all, it is common to have to decline service because the signer has been medicated, or has lost their mind. As a Notary, you should be aware that you can easily be subpoenaed for hospital signings as it is common … read more

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13. How do you notarize a document with no signature line?
If you have been instructed to notarize a document that doesn’t have a signature line, that is a cross between a quandary and a conundrum. You cannot notarize a document without a signature. Notaries notarize signatures on documents, not documents, and especially … read more

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14. Sixteen year old Samantha calls a Notary to notarize an Affidavit for her mom who does not speak English. The Notary arrives only to find out that he/she cannot communicate directly with the signing who is the mother. Samantha offers to translate as she does that on a daily basis for her mom. What do you tell Samantha? In 49 states, direct ORAL communication with the client is required REGARDLESS of whether the document is in English, has been translated, or whether the Notary understands the document. You cannot use an oral translator except perhaps in Arizona (check AZ handbook for an accurate answer). Refer Samantha to find a Notary who speaks their language.

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15. John appears before you to sign a loan as an Attorney-in-Fact. He knows two verbiage variations for signing as an Attorney-in-Fact and wants to know which one to use. There are no written instructions. What do you do next? In this situation you have to call for instructions because POA verbiage is a matter of preference as there are eight legal verbiage variations for signing as an AIF. So, call the Lender or Title company in this case as the loan will not close if you did not use the verbiage of their choice!

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16. Credible Witnesses.
Jim appears before you to sign an Affidavit. But, he has no ID. What do you do? Many states allow for credible witnesses. Some states require two CW’s who must both know the signer while others allow for one that must know the notary and the signer. You can read up on your state specific rule on this convoluted subject of credible witnesses.

Also read – http://blog.123notary.com/?s=credible+witness

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17. Name two situations where you might need subscribing witnesses. Subscribing witnesses are witnesses that watch someone sign their name on a document. They are used for Proofs of Execution (look this one up in our Notary Acts section) and for Signatures by Mark or Signatures by X which is allowed in certain states (look up in our glossary.)

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18. The document is written in a language that the Notary does not understand. All states except for AZ require direct oral communication with the signer. However, written comprehension is a different ballgame and is very state specific. California only cares that the Notary notarizes the signature and doesn’t care if the Notary understands the document although the signer must understand what they are signing. However, other states can vary. Does your state require you to be able to read the language the document was written in? Look this one up in your handbook as we cannot help you in this matter because we don’t know!

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19. You have been instructed to notarize a form that does not have a certificate.
You are at a notarization and the instructions say, “Notarize this page.” However, there is no certificate wording on the page. What do you do now?

The Notary may not choose the Notary act as that might be construed as UPL. So, just ask the client or signer what act they want and then attach the corresponding certificate to the document. That’s all.

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20. Deeds of Reconveyence.
You go to a signing and one of the documents is a Deed of Reconveyance. Under the signature line has the word Trustee. Who is the Trustee, and do you notarize this document?

The Trustee is normally the Lender, but could also be the borrower if he has a company and is lending money to himself in another capacity. The Trustee could be anyone, so without specific instructions you should probably not have this form signed or notarized.

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Elite Certification will benefit you for the rest of your life
http://blog.123notary.com/?p=20770

The Grace Period after your signing
http://blog.123notary.com/?p=19465

10 ways female notaries can protect themselves
http://blog.123notary.com/?p=19196

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