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	 Wed, 30 Sep 2015 14:47:28 -0400
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Thread-Topic: Please help.
From: <governor.haley@sc.lmhostediq.com>
To: <governor.haley@sc.lmhostediq.com>
Subject: Please help.
Date: Wed, 30 Sep 2015 14:47:28 -0400
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<APP>CUSTOM
<PREFIX>Mr</PREFIX>
<FIRST>Vernon</FIRST>
<MIDDLE>E</MIDDLE>
<LAST>Birt`</LAST>
<SUFFIX>Jr</SUFFIX>
<TITLE></TITLE>
<ORGANIZATION></ORGANIZATION>
<ADDR1>197 St Mark Dr</ADDR1>
<ADDR2></ADDR2>
<CITY>West Columbia</CITY>
<STATE>SC</STATE>
<ZIP>29170</ZIP>
<EMAIL>b.birt@hotmail.com</EMAIL>
<PHONE_H>843-819-2874 Cell</PHONE_H>
<PHONE_B></PHONE_B>
<ISSUE>HOUS</ISSUE>
<SUBJECT>Please help.</SUBJECT>
<CUSTOM1>174.107.171.112</CUSTOM1>
<MSG>
On July 7, 2015 I became unemployed through no fault of my own. I applied, provided all documentation as requested and was denied help through the SC Helps program. Until this time I have never received public assistance in my life. Below is the hardship appeal letter I sent today asking for reconsideration. Any help you could provide would be greatly appreciated. My mortgage was sold to Seterus who according to their website does participate however they have a horrible reputation as a fraudulent company. (Please google them)

 September 30,2015
To whom it may concern:
My name is Vernon E Birt Jr. I was informed today by Gary James that my application to the South Carolina Help Program has been denied. Mr. James stated I was denied because I had the income to pay my debts. I find this very difficult to understand because I have no income other than weekly unemployment assistance in the amount of $276.00.
On July 7, 2015 I became unemployed through no fault of my own. I applied for and began receiving unemployment insurance in the amount of $276.00 a week.  Although I have been aggressive in seeking work to date I have not been able to find suitable employment.  In addition to myself I have a special needs adult child that I am responsible for. 
One month after losing my job I was directed to SC Help program by a friend.  I took the pre qualifying quiz to determine that I might be eligible.  I applied and have provided all documentation as requested.  Per your own website:
"SC Help is intended to help borrowers who are facing first mortgage delinquency or possible foreclosure due to circumstances beyond their control like unemployment, underemployment or significant reduction in self- employment pay."
	ELGIBILITY GUIDELINES INCLUDE:
	NO HOUSEHOLD INCOME LIMIT
	THE PROPERTY MUST BE AN OWNER-OCCUPIED PRIMARY RESIDENCE
	APPLICANTS DO NOT HAVE TO BE DELIQUENT
	
Becoming unemployed has been the most stressful time I have ever experienced.  It is made more frightening by the fact that I am now unable to meet my mortgage obligations. The program implies that I would meet the need requirements. Without this help I feel I am in grave danger of losing my home. 
I respectfully ask that you reconsider my application. Without your assistance I am afraid I am in danger of losing my home. 
Sincerely
Vernon E Birt Jr.

</MSG>

</APP>