According to the XXXX, A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both the principal balance of the mortgage is first scheduled to reach XXXX percent of the originalvalue of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan, or on the amortization schedules, in the case of an adjustable-rate loan, regardless of the outstanding balance ) and if the borrower is current on mortgage payments. My loan has met these requirements. On XXXX/XXXX/XXXX, I sent a fax to the Escrow Dept. of Ditech XXXX formerly Greentree XXXX stating that I was aware that my PMI was due to automatically terminate on XXXX/XXXX/XXXX and I included a copy of my appraisal and the amortization scheduled provided to me by Greentree. On XXXX/XXXX/XXXX, I received a denial letter from Ditech listing reasons for the denial that 1. ) Do no apply to my loan and 2. ) Based on a original value amount that was not provided and that would not be valid according to my records. On XXXX/XXXX/XXXX I sent another fax asking Ditech to provide me with the original loan value that they are using and how they came up with this value. Instead of properly responding to my request, The escrow dept. sen a copy of the same denial letter that they orginally sent, with no explaination of what number they are using the for the orginal value or where that number came from. I 'm being forced to pay PMI each month when I legally do not owe it as to avoid a late fee. I was told that Ditech would refund the money XXXX XXXX if they found I overpaid. Why should Ditech get to keep and make interest off my money for 6 months or more for violating the law? The answer is that they should not and if they are attempting to take advantage of a well informed consumer, just think what they are doing to consumers that do not know their legal rights. 
