I received an offical letter today from ICG concerning insurance premium changes for loans endorsed on or before May 31, 2009. After trying to weed through the several pages included with the letter, and being totally confused with the legal terms and supposedly new laws and regulations put into effect, I almost picked up the phone and called ICG to "open a case number". This letter led me to believe that there would be a change in my MIP because of new laws and regulations put into effect, little did I know it was just an advertisement to refinance my loan. This letter has upset me to the point to write this and next step will be to go to the BBB. I am bombarded every day with scams and bum deals, I can usually recognize them immediately. This one almost got me. I do not appreciate being duped. Stay away from ICG.