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**leelee88** · 03-22-2007, 08:38 AM

Ok.. Tig sent her letter.. and I sent mine

..

**tigger_gal** · 03-22-2007, 08:38 AM

you know I am here for you every step of the way

**leelee88** · 03-22-2007, 08:40 AM

Thanks Cindy!!!

***ICNDonna*** · 03-22-2007, 11:18 AM

Just sent off an email.

Donna

**SandyRN** · 03-22-2007, 11:34 AM

I'd be happy to send a letter!!! I just can't believe this is happening to you!

**leelee88** · 03-22-2007, 11:49 AM

Sandy and Donna... I am speechless..Thank You!

**tigger_gal** · 03-22-2007, 12:36 PM

you deserve this Leelee..

**ihurttoo** · 03-22-2007, 12:51 PM

I will send one too. Do we need your last name so they will know who we are writing for? If so, then please pm me with it before I send mine. Hopefully, if several of us write they will pay attn and do all they can to get the word out so you can get help.

Hugs,
Amy

**Kara29** · 03-22-2007, 03:27 PM

Leelee,

I hope something comes of the emails. I will send one along too!

Thinking of you!

Kara

***ICNDonna*** · 03-22-2007, 06:09 PM

Here's what I sent:

Subject: I am furious and disappointed at the way Katrina victims are being treated.

Things like this should not be happening in the United States of America. Here we have a mother who is trying to rear her children with a roof over their heads. She literally lost her home because no help was available and she did not have the funds for repairs. She was forced to sell her home for a fraction of its original value.

Now, because of some stupid FEMA requirement, over which she has absolutely no control, she is being prevented from receiving assistance which would allow her to begin to rebuild her life. Here’s what she says:

“However the government did come out with a grant program that gave me some hope to be able to rebuild. I applied and was approved all I had to do was get the new homeowners to comply with the new Covenants, which states they will keep flood insurance on the home for three years, Then if they wanted they could drop the covenants. This would protect them if another Hurricane hit, by signing it. The government would help them if they lost their home, by not signing it the government would not, so this covenant protects the new homeowner..

But the new homeowners refused to sign the paperwork!!! Now I cannot get a grant to rebuild. I just do not believe its fair that I should be penalized for something that they will not comply with.. The house is theirs not mine anymore so why should I have to be the one who suffers if they do not carry insurance?”

**tigger_gal** · 03-22-2007, 06:18 PM

This is what I sent,

To Whom it may concern:

I am writ ting this letter to you on behalf of my very good friend Ronda Wyatt, and the rest of the Katrina victims in this unnerving situation. Ronda's

home owners insurance did not pay anything and I filed for a grant with Fema, but was denied eight times. She then applied for applied for an SBA loan, and was denied by them also.At the time she was not able to work because where she worked was also destroyed. The mortgage company had been sending past due letters stating they were going to foreclose on her home, so so she had no other choice but to sell her property for what she owed on it.
The government did come out with a grant program that gave Ronda some hope to be able to rebuild. Ronda applied and was approved all she had to do was get the new homeowners to comply with the new Covenants, which states they will keep flood insurance on the home for three years, Then if they wanted they could drop the covenants. This would protect them if another Hurricane hit, by signing it. The government would help them if they lost their home, by not signing it the government would not, so this covenant protects the new homeowner..However, the new homeowners refused to sign the paperwork!!! Now Ronda cannot get a grant to rebuild. Ronda just does not believe its fair that she should be penalized for something that they will not comply with.. The house is theirs not Ronda's anymore so why should she have to be put out of getting a grant if they do not carry insurance?

I find it very discouraging how everyone had been treated in the aspect of Fema, Grants, and other "insurance" issues. I am not quite understanding why it is necessary for Ronda to have to get the buyers of her home to sign a covenant, to get a grant. This is no longer her home, it should not be her responsibility to have the new owners sign anything. They knew what they were buying. They knew it was destroyed and had to be rebuilt, as it was all but totally destroyed during the hurricane. Is it not enough that Ronda and her children has lost everything she owned, never received anything from Fema. This is nothing short of another devastating blow to her and her children. Why should one continue to suffer at the hands of another?

The covenant to be signed is to state that they know that the home was not up to code, and it has to be rebuilt according to city code. They have to have flood insurance on it for at the least 3 years. Ronda dose not own this home anymore, why is it her responsibility to contact the buyer and have her get them to sign this? Why is she being denied a grant because the new owners will not sign it. With this being the case, then the new owners should not be able to continue to refurbish the home until the convent is signed. Condemned should be posted on the door until this contract is signed, with all due respect Sir, this is nothing short of humiliation to the state. They are making it harder for these people to rebuild there lives. They are putting there fate of rebuilding in the hands of another persons hand. The people that knowly bought destroyed homes, at the fraction of the cost it would have been if it was sold before Katrina hit.

Thank you Sir, in advance for your time.

**leelee88** · 03-22-2007, 06:47 PM

Thanks Amy and Kara.. I do not mind you using my first or last name..

Donna that was a pretty powerful letter.. Thank you again..
and Tig I cant thank you enough..

I have decided I am going to call the news station tomorrow and see if I can talk to this reporter.. One way or another I am determined to have my story told...
And I hope this will not only help me but also help so many that was forced to do the same as I had to and sell there property..

This was shocking but I guess expected, the grant lady told me she had people in the same situation as I am and she said that the new home owners were telling the people who applied for the grant that they would sign the paperwork if they got half the grant money.. To me this is nothing short of being blackmailed..

All this just makes me sick.. My mom was talking to an ederly lady who is in the same situation as I am.. And she is so lost and just wants to build a home, but cant due to the people who bought her property they will not sign the paperwork either...This is wrong!!!
So just remember you are not only helping me, these letters are going to be the beginning of my fight for everyone who derserves a home!!!

Thank you all again..
Ronda

**ihurttoo** · 03-22-2007, 08:11 PM

Ronda,

I got your PM and just sent you one back. I just sent my email to the station. I forwarded a copy to your email. I hope that it helps you and the others who are going thru the same thing.

I still cant believe they expect this! And as for the people wanting half the grant money, that is just unbelievable! How can people be that low as to want to profit off of people who have lost everything?!!! It IS blackmail! I sure do hope the emails work and this story gets told. The public will be as outraged as we all are.

You have suffered through so much hardship and heartache. You deserve to catch a decent break. You and your family are in my prayers. Please let us know how this turns out. I will be thinking of you all until we hear what happens.

Hugs,
Amy

**leelee88** · 03-23-2007, 02:27 AM

Thanks Amy..

I am posting the covenants so maybe you all can understand what I am talking about..
If you all notice this policy contradicts itself..

It states:
The Mississippi Development Authority’s (MDA) policy for Homeowner Assistance Program (HAP) grants requires all homeowners to agree to a set of Covenants. These Covenants are a requirement of the federally approved program designed to reduce the chances of severe flooding in the event of another major hurricane.

So if all homeowners have to agree to the covenants, shouldnt the goverment be resposible for getting the people who bought my house to sign the paper work concerning the covenants?

Phase I - Grant Applicants Who Have Sold Their Home
The Mississippi Development Authority’s (MDA) policy for Homeowner Assistance Program (HAP) grants requires all homeowners to agree to a set of Covenants. These Covenants are a requirement of the federally approved program designed to reduce the chances of severe flooding in the event of another major hurricane. The Covenants require in part:

Building any new structures on the property to new FEMA-mandated elevations.
Maintaining flood insurance in the amount of the lesser of 100% of the full insurable value of all dwellings on the property as determined by a property insurer or the maximum amount available under the National Flood Insurance Program.
Agreement to abide by stricter building codes for any repairs or new construction.
Qualified applicants are still the eligible recipient of the HAP grant, however they can not attach the covenants to the property, because they no longer own the home damaged by Hurricane Katrina. Only the Current Owner of the home may sign and accept the agreement. The grant applicant must take the necessary steps to complete the closing process. The applicant must contact the person, who purchased the home, to obtain the signed and notarized documents. There may be multiple mortgages or home equity loans. If there are, a signed and notarized Subordination document from the lender of each mortgage or loan must be obtained.

The following checklist is provided to help the grant applicant complete this process:

STEP 1: CLOSING READINESS

Review the Sold Home Letter
Contact the Current Homeowner and Ask Them To Sign the Covenants and Get Them Notarized
Ask the Current Homeowner to Obtain Signed Subordination Agreements From All Lien Holders
Contact All Persons Who Were On The Deed As Of August 29, 2005
Agree On A Time For the Closing
Review The Grant Calculation In Detail
Review the Grant Agreement and Subrogation Agreement
STEP 2: CLOSING APPOINTMENT

Schedule An Appointment With Your Closing Agent
Bring A Government-Issued Photo ID
Bring the Grant Application ID
Bring The Covenants Signed By Current Homeowner
Bring The Subordinations That Have Been Signed And Notarized
Bring the Blank Grant Agreement and Subrogation Agreement To Be Signed at Closing
STEP 3: REQUIRED TO ATTEND CLOSING

All Persons Who Were on the Deed as of August 29, 2005
The Spouse as Required by State Law (Even if they are not on the Deed)
Don’t Forget Your Marriage Certificate(s) or Other Legal Evidence of Name Change
Don’t Forget the Death Certificate(s)

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With The Help Of My Friends I Am Fighting Back!

With The Help Of My Friends I Am Fighting Back!

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