I obtained a mortgage of {$190000.00} from XXXX XXXX XXXX Mortgage XX/XX/XXXX with a PMI of {$100.00}. The ORIGINAL HOME VALUE was {$230000.00}. The mortgage was immediately sold XXXX and had it for 5 years. In XX/XX/XXXX I applied for a loan modification and got approved where my mortgage was now {$190000.00}. In XX/XX/XXXX my mortgage was again sold to Green Tree. Since XX/XX/XXXX I have continuously asked for my PMI to be removed but kept on being denied. This year XXXX XX/XX/XXXX XXXX my mortgage is at {$160000.00} I asked for the automatic termination as stated in the Homeowners Protection Act. I got the run around for months and after months of it, I finally received a letter XX/XX/XXXX that my PMI will be automatically terminated XX/XX/XXXX. It is now XXXX and I am still being charged a PMI and after numerous phone calls, faxes and requests, they are now stating that my PMI will be terminated XX/XX/XXXX!! XX/XX/XXXX I will reach 62 % of my LTV ratio. 
GreenTree ( Ditech now ) is NOT in compliance of the Homeowners Protection Act for the following reasons. 
1. Loan modification in XX/XX/XXXX did not include a new letter or contract for the PMI stating the terms, time of automatic cancellation or when my loan would reach 80 % LTV ratio. They are refusing to supply me with this type of letter. 
2. There was no new appraisal to calculate LTV ratio during loan modification. 
3. They are NOT using the original appraisal value to calculate LTV ratio to remove PMI. I do not know what value they are using because they did not do another appraisal on my home besides the original appraisal. I asked them for the appraisals that they have on file and they only gave me the original of {$230000.00}. 
4. Currently my LTV is XXXX % when using ORIGINAL HOME VALUE. 
5. They are not honoring they letter to remove PMI XX/XX/XXXX. 
6. Ditech is now requiring me to complete a customer-requested cancellation where I have to pay for another appraisal, but it is not necessary as this should be an automatic termination since my LTV is XXXX % and nowhere near 80 %!!!! 
7. Refuse to put anything in writing when asked for letters stating their position and explanation. 
8. Refuse to allow me to speak with anyone such as the escrow department other than customer service. Customer service ALWAYS states that they do not know or are unaware and will forward my information and someone will get back to me either by phone, email or mail. No one ever responds. 

GreenTree ( Ditech ) is NOT in compliance with the Homeowners Protection Act of XX/XX/XXXX and should be fined!! 
