A mortgage company inflated the appraisal on my town home a year ago, looking to refi?

Only serious answers please!
I took out a HELOC 1 year ago and the appraisal showed up at 220k, i have a 1st mortage at 135k. At that time i had a 2nd at 45k. What they did was pd off my second, payed some cc debt and medical bills totaling out to be 70k. “the even persuaded me to do more and get cash but i did not want any cash” The goal was to prepare me to refinance my 1st mortage that is a ARM and has adjusted 4 pts.
Now i am ready to refinance my 12% 1st, passed the credit scoring part ect then had a appraiser comeout—well he came up with 185k. nice guy and explained it to me with me being concern with the value 220k last year. he looked into it for me and told me no way that should have been valued at 220k, if a apprasial would have been done then should have been 183k. I called the mortage company that holds both loans and they will do nothing I explained my situation about that appraisal, they told me they used a AVM and there must have been a glitch.
both loans are with countrywide, countrywide full spectrum lending orginated the HELOC
live in the twin cities area
all townhomes are the same the appraiser showed me the sales in that period

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