Ditech financial recently purchased my home loan. Since then, they regularly misapply my principal prepayments to future interest or future payments. This practice is in direct contravention of my loan terms which expressly state that " the NoteHolder will use my Prepayments to reduce the amount of Principal that I owe under this note. '' Ditech has not followed these loan terms, and instead continues to apply my prepayments to future interest and future payments, resulting in my loan balance not decreasing as fast it otherwise would, and more accrued interest than otherwise would occur. I have complained to Ditech three times about their misapplication of my payments. The first time I complained they fixed the problem without admitting any fault. They have completely ignored my second and third complaints. Thus, I am writing to you in the hopes that you will be able to get their attention. I am also considering legal action. 
