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tundrades
Texas
31 Posts |
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tundrades
Texas
31 Posts |
 Posted - 10/11/2012 : 4:23:36 PM
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quote:
Originally posted by esnotary
Notary Rotary offers a wonderful journal for signing agents that enables you to "check" off boxes next to all the types of notarizations you do with one loan package.
There are different schools of thought on this Journal. As I see it while you have those check off boxes for the different types of notarizations it only has one place for date and time. That is still one entry for the multiple notarizations. It is the same as listing all the documents on Additional field in the regular Journal.
Texas statues states "there will be an entry in the Journal for each notarization"
The original post in part stated that part of what Chase was looking for was date & time of notarization, Well the signing agents Journal would only have one time for all the notarizations.
From what I can find out While the requirements for the DOJ settlement doesn't expressly state "mortgage originations" they are, nevertheless, getting ahead of the ball on this requirement. This will be intriguing to watch evolve for many reasons.
Desmond OConnor |
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esnotary
California
125 Posts |
Posted - 10/11/2012 : 3:55:54 PM
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Notary Rotary offers a wonderful journal for signing agents that enables you to "check" off boxes next to all the types of notarizations you do with one loan package. I have used these journals for years as the borrowers only have to sign my journal once for multiple notarizations. I couldn't imagine how many journals I would be going through if I had to do a separate entry for each item. It is after all, my journal to record what I notarize. I usually will also write down what I have notarized on my confirmation, so to keep another record if there is ever a question. This thing for Chase only takes a few minutes, and if you prepare it when going over the loan docs it's not that big of a deal. A nuisance, yes, but really not that big of a deal in my book.
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tundrades
Texas
31 Posts |
Posted - 10/11/2012 : 11:02:24 AM
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quote:
Originally posted by esnotary
I think it's a ridiculous way of making people accountable for their work.
It is not a big deal as in Texas you are required in CA to keep a Journal. Advise them that if they require such information they can request a copy of the journal entry(ies) for that transaction using your states statues relating to copies of Journal entries.
Desmond OConnor |
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tundrades
Texas
31 Posts |
Posted - 10/11/2012 : 08:07:14 AM
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This requirement from Chase is not unrealistic for those Notaries who keep an accurate Journal entries for each notarizations.
OK back to another area of Journal Entries There are notaries who will put only one entry for a package of documents when there are multiple notarizations
The the ones grumbling about this so called new requirements are the ones who accept the low paying assignments, and take shortcuts such as a single entry in the Journal for a package that contains multiple notarization.
For those from non Journal States, when prudence and the Model Notary Act indicate best practice to keep a Journal don't complain when a company asks for Documents need to be described, the number of pages, date & time of notarization, and more. It ya kept a Journal it would not have an issue.
What this boils down to is $$$$ what you accept an assignment for.It is not seeking more because now you have document every notarization something that one should be doing already. Whether State Mandated or when prudence and the Model Notary Act indicate best practice to keep a Journal.
Many Notaries are taking assignment below $100 not worth it - I spent a month looking at all variable and have calculated a reasonable charge.
Desmond OConnor |
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tundrades
Texas
31 Posts |
Posted - 10/10/2012 : 6:15:45 PM
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quote:
Originally posted by soni.weiss
I am new to this forum but I find this name calling and unprofessional treatment of ones peers to be base. Perhaps in Texas civility is not a requirement of this profession, calling ones peers idiots and incomptent is rude and uncivil.
One can be incompetent and not be an idiot which in modern English refers to severe mental retardation as opposed to the orignal meaning of unprofessionalism but I sincerely doubt you intended the archaic meaning.
One might also keep in mind that in some states a journal is not even required, although prudence would suggest one should keep it. So a person may be totally competent in his or her work even if he does not have a journal entry for every notarization done.
Soni Mae
First of all I was not name calling. In my previous post to the one you commented on I stated "In states that require a Journal there will be an entry in the Journal for each notarization that occurred which would contain the bones of the information required."
In Texas the statues it states the following
(a) A notary public other than a court clerk notarizing instruments for the court shall keep in a book a record of:
(1) the date of each instrument notarized;
While I am not going to reference every states statues on Journal entries or Journal Requirements you are correct when you said "although prudence would suggest one should keep it." referring to non Journal states. In the absence of State specific statues regarding Journals one should reference the Model Notary Act.
Idiot also refers to someone who acts in a self-defeating or significantly counterproductive way. This can occur when someone acts based States statues not to keep a Journal because their State is a non Journal State. Yet prudence and Model Notary Act indicate otherwise. Should a question arise over a notarization the lack of a Journal entry could be counterproductive.
I did a notarization recently for a company who called a few weeks later stating they never received the docs. Yeah good old individual Journal entry came to the rescue.
Back to what Chase is asking and what some Notaries are grumbling about. It is already in the Journal providing there is a Journal entry for each notarization. The people I was calling idiots and incompetent are those notaries using one Journal entry for a package that contains many notarizations.
VA Notaries : A traditional notary is not required to keep a notary journal. However, the Office of the Secretary of the Commonwealth recommends that each notary maintain a journal that provides a record of all notarial acts performed so as to provide evidence for resolving future disputes over authenticity of signatures and documents. The journal may also provide proof that the notary has lawfully performed his or her notarial duties.
Desmond OConnor |
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soni.weiss
Virginia
9 Posts |
Posted - 10/10/2012 : 5:02:51 PM
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I am new to this forum but I find this name calling and unprofessional treatment of ones peers to be base. Perhaps in Texas civility is not a requirement of this profession, calling ones peers idiots and incomptent is rude and uncivil.
One can be incompetent and not be an idiot which in modern English refers to severe mental retardation as opposed to the orignal meaning of unprofessionalism but I sincerely doubt you intended the archaic meaning.
One might also keep in mind that in some states a journal is not even required, although prudence would suggest one should keep it. So a person may be totally competent in his or her work even if he does not have a journal entry for every notarization done.
Soni Mae |
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tundrades
Texas
31 Posts |
Posted - 10/10/2012 : 04:05:57 AM
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quote:
Originally posted by esnotary
Also, it's a sad reminder of how many incompetent notaries there are out there trying to do loan signings "for the easy money"
This I agree with Notaries who have one journal entry for a loan package that has numerous notarizations is an idiot and incompetent.
quote:
I think it's a ridiculous way of making people accountable for their work. The notary has to document their work,
Sending a copy of Journal entries (states have set out requirements for requesting and sending copies.) is part of the course of doing notary work.
Accountability ---- yes ridiculous no.
Desmond OConnor |
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tundrades
Texas
31 Posts |
Posted - 10/10/2012 : 03:47:11 AM
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quote:
Originally posted by jbelmont
Thereis a new evidence form that Chase is now requiring. Documents need to be described, the number of pages, date & time of notarization, and more. What do you guys think about all of this?
Ummm many notaries will put one entry in their Journal for a signing / closing. If I am reading this right it is not a new requirement. In states that require a Journal there will be an entry in the Journal for each notarization that occurred which would contain the bones of the information required.
If Chase wants such documentation then they need to go through the proper channels and request a copy of the Journal entries.
Desmond OConnor |
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edelske
New York
815 Posts |
Posted - 10/09/2012 : 6:28:53 PM
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Tis simple:
The more the work (legal of course) - the more the pay.
Kenneth A Edelstein
Mobile Notary, Apostille / Legalization Processing & Fingerprinting
http://www.kenneth-a-edelstein.com |
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esnotary
California
125 Posts |
Posted - 10/09/2012 : 5:34:38 PM
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I think it's a ridiculous way of making people accountable for their work. The notary has to document thier work, so if there is a mistake they take the fall; the Escrow/Title company is to blame if a notarized document is missing I suppose. Sometimes I feel the whole lender package needs a revamping for ease of signing to the clients! Also, it's a sad reminder of how many incompetent notaries there are out there trying to do loan signings "for the easy money"
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jbelmont
California
3106 Posts |
Posted - 10/09/2012 : 01:30:45 AM
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Thereis a new evidence form that Chase is now requiring. Documents need to be described, the number of pages, date & time of notarization, and more. What do you guys think about all of this?
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