<prompt> Human: So basically as the title says. I called to get the MIP removed and they did that. Customer service rep said theyd send letter and probably provide extra info on getting back the MIP I paid when I did not have to. I got a letter and all it said was the MIP is now removed. No mention of the MIP I was paying when I didnt have to. Before I call back, I just want to know if the bank is obligated to pay that money back or not. Edit: Loan was Aug 2009. I got to 78 LTV by Aug 2014, meeting 78 LTV and the 5 years of MIP payment requirements. From what Ive been reading, in this circumstance I have to ask it be removed and the bank must send a letter saying I qualify to remove it. I am not sure if they sent that letter.  <response>: Get the contract you signed. If it explicitly states that the removal is automatic, you should point it out to them and tell them to reimburse you ASAP and that you will sue them if they dont. If it stipulates that after a certain requirement is met, you can request that it be removed, youre likely out of luck. Either way, Id send written requests via certified mail with return receipt. Document everything. 