Janneen
Irvine,#2REBUTTAL Owner of company
Tue, October 17, 2006
I was out on maternity leave when this situation happened. This particular broker, Chris, used a title company (our client) to send documents out to us for signing. This particular loan was a last minute, end of month, late order that came over to us after 5pm for the same evening signing. Within 20 minutes of the signing request coming over to our office, we responded to the title company, our client, that we could not fill the order that night as we had no available notaries. This sometimes happens in our industry. There was no indication on the order form from the title company that the file was date sensitive or that the borrower's rate lock was expiring and that it must sign that night. We clearly responded to our client within the allotted time frame, unfortunately this was after they had left for the evening around 5:30pm. We work till 8pm. We had no way to contact Chris as he was not our client and there was no broker contact number for this file on record. Jon, my ops manager informed me of the situation the next morning while I was out of the office caring for my newborn. I asked Jon to speak to Chris directly as Chris had already expressed his frustration to my staff. In order to remedy this situation, Chris was asking for us to BACK DATE documents to the night before. What Chris was asking for us to do was illegal. We can not by law do this. I truly regret and sympathize with his borrowers situation. We did try to remedy the situation that morning by offering to get a notary out to the borrower to sign that day. What we couldn't do is BACK DATE. This was not expectable for Chris and we ended up here. These situation do arise, and especially at the end of month when everyone is trying to get their files closed. The title company, our client, to date still uses us for their nationwide signings, however Chris's files are not among them.