Tommy Lee Randle and Joyce Faye Randle - Page 6

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               We have given careful consideration to your disaster                   
               loan application filed with this Agency.                               
               Unfortunately, we were unable to approve the loan                      
               application because of an apparent lack of reasonable                  
               assurance of your ability to repay the proposed SBA                    
               loan and other obligations from earnings.  We have                     
               concluded that you cannot support any further debt                     
               obligations at this time, based upon a thorough review                 
               of your total monthly income and expenses as indicated                 
               in your loan application.                                              
               If you disagree with this determination, you have the                  
               right to request a reconsideration.  However, such a                   
               request must comply with the following requirements:                   
                              *   *   *   *   *   *   *                               
                    b. It must be received by this office no later                    
                    than six months from the date of this letter.                     
                              *   *   *   *   *   *   *                               
               We regret our inability to be of assistance to you.                    
               There is nothing in the record to suggest that petitioners             
          ever requested SBA to reconsider its denial of petitioners’                 
          disaster loan application.                                                  
               Petitioners filed one or more applications for disaster                
          assistance with the Individual and Family Grant Program of the              
          Department of Social Services of the State of California                    
          (California State Department of Social Services) on a date(s) not           
          disclosed in the record.  Petitioners’ application(s) covered               
          both transportation needs and personal property.  By letter dated           
          June 15, 1995, the California State Department of Social Services           
          replied to petitioners’ application(s).  This letter, which                 
          referenced both the disaster relief file number assigned by the             

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