Copy of a letter sent out today to RA Brennan, copied to Attorney Generals in MD and IN, BBB in MD and IN and to my bank.

So how did they obtain the information and autorizations for ACH withdrawals for fees on a contract that they cannot even provide copies of.

Subject: Supposed Account Cancellation

Dear Sir

On the September the 12th 2006 we contacted your office by phone and fax cancelling the account we [b]supposedly opened with you for credit consolidation or settlement. The first indication, knowledge of, and contact with your company came with the ACH withdrawal from our account at MSEFCU on Sept 12th. Following the discovery of this withdrawal we contacted you immediately. Neither my wife nor I gave permission for this ACH at any time and we asked you to cancel and return the $265 to our account at MSEFCU. Your staff were totally unhelpful in this respect and said the first monthly payment of the agreement, what agreement?, was a registration fee and therefore non-refundable.. At that time we demanded that the money be returned to our account and that no further withdrawals be made. I faxed a cancellation document to your office immediately following that phone call. I also asked you send me a signed copy of any agreement we supposedly were contracted to. But to date I have not received a response.

To my total dismay and anger I note that you ACH’d another $265 from our account on the 10th of October. As of this date we have not received any documents from you explaining what we supposedly signed up to or where this $265 a month is going. You have not received any list of creditors from us, so what do you base this $265 charge per month on and why?

As far as we are concerned we believe your company has committed ACH wire fraud as you can provide no evidence of an authorization from us to make the transaction with our bank.

Please take immediate action to remedy your mistakes and return the monies collected to our account at MSEFCU.

As well as everyone else here. 2 years with other two companies, I was screwed by Brennan Feb, March, April was paid. May & June was late. July & August NOT PAID. After MANY e-mails and calls, I went for a bank note and stopped payments to this jerk! He has Two months--$775 each of my money and all I get is "Oct 1st Oct 15th the checks will be out" BUT NEVER seen anything!! Imagine that! Why is it OK for him to take over a contract, expect us to honor it and he doesn't have to-meaning our deposit is lost?He said contact him personally, well CAN'T EVEN RETURN THOSE CALLS or e-mails EITHER! BBB- Attorney General- now getting a lawyer! Brennan you will be hearing from someone on my side!!

Go to the local BBB website www.baltimore.bbb.org to file a complaint against Richard A Brennan Law Offices. He is currently listed as a member with a satisfactory record. Based on all of these comments, that will soon change.

I too was promised a refund. Was told that all refund checks would be mailed out the first week of November. I too have reported him through the BBB. Nothing there yet either. Have no money for an attorney. Any other ideas???

Has anyone else actually gotten a refund? I just can't imagine anything good coming of this, since it is taking so long to get a refund.

I finally received my refund about a week and a half ago. I'm so glad I'm done with them. They are a bunch of unprofessional morons!

Crystal, what process did you go through to actually get a refund?

[ray_42244]

I signed up on this site for credit counseling, I was contacted by Ronnie from CCCA, he had me convinced to give him all my information, bank draft debit,etc..he told me that Richard A. Brennan would be the attorney handling my case; after reading these complaints, I am now having second thoughts.

Well, I started by calling them at the beginning of September because I had noticed my payments weren't made to my creditors, even though they took my money out of my account. When I was waiting on hold forever to speak to someone, I googled the Law office and came up with this website. I didn't realize how many people were having issues. The lady that I ended up speaking to, Nicole, told me that they wouldn't be making any payments to the creditors til October...I decided to cancel my services with them at that moment. She told me to send them a cancellation letter...I did that and made it VERY clear not to touch my bank account anymore. And they didn't. But, when I demanded my August payment back, she was telling me that I probably wouldn't see that until Oct 1st...I asked to speak to her supervisor, and she came back a couple minutes later stating her supervisor said I would receive it within 2 weeks. Well, that was a lie. EXACTLY two weeks later I called back and spoke to a supervisor there, Nataya, where she told me they were having problems with their system and that I would get it by Oct 1st. I had her repeat herself so I was sure I heard correctly. Guess what? No refund BY Oct 1st. So, I called back. Spoke to someone else. I was also getting emails from a Joy Flannery telling me that refunds were going out on Oct 9th, when they reopened. I ended up filing a complaint with the BBB prior to this BS. They ended up sending out my refund on Oct 10th. I'm not sure what made them send it. They weren't taking that much $$ each month...only $164. Maybe that is why they issued a refund for mine...because it was a small amount. Or, maybe because I was persistent. The funny thing is, during that week they were closed, the lady Nicole (with whom I cancelled my account with) left a message on my VM asking me what I wanted to do with my account, after I had already cancelled with her! They are a bunch of idiots there. I hope everyone files a complaint with the BBB against them. I feel everyone who cancels deserves their deposit back...we didn't sign up with them, or to deal with this crap. They are not fulfilling their obligations to us. I argued with that retard Nicole about the deposit issue, and she kept giving me excuses on how she felt they were doing their job and that was why people that cancelled wouldn't receive their deposit. I honestly don't care about my deposit anymore. Its not worth the aggravation! So, has anyone else received a refund yet?

I dont care about my deposit its been a year already. Im more pissed off that I havent gotten my august 28th payment back for 344.00 It was not paid to my creditors and has just been sitting there. No refund yet. Even though Im persistant and bugging them everyday. It takes up alot of my time to sit there on hold for an hour a day.

Thanks so much Crystal. I have added my complaint to the BBB. Thus far, it still shows they have a "satisfactory" record. Now off to find the MD BAR.

Crystal-Well you were very lucky to even get ahold of anyone! Everytime I call,either the mailboxes are "full" or whnen I leave a message, nobody bothers to call me back. I tried to call someone for over a week, and when they finally emailed me (Why wouldn't they call to speak to me directly?) they told me that things had changed, and people had beenpaid for the month of Sept., and now this new company wouldn't be taking over until Nov. She never did explain why they debited my account for the month of Oct, when she told me, in writing, (Emails do count) that all debits had stopped as of Sept. 15.
Also, I made a complaint to the BBB, and have never heard back from them. Dissapointing

This company is bad news. They took 290.00 out of my account and did not pay my bills with it. They are very hard to get in touch with and do not care about any request you make. This is the worst buiness transaction that I have ever made. This company took over Credicure so don't fall for any Credicure ads also. Stay away from these jerks!!

[brownsugar]

I just received a call from CCCA also and the lady just kept telling me what they could do for me and blah, blah, blah; so something prompted me to ask what lawyer would be handling my case for consolidating my credit cards; and when she said Richard Brennan, I just said let me sleep on it and I'll call back. After reading these posts, I'm not calling back. I'll just find another consolidation company. Does anyone recommend a decent company that I can consolidate my credit cards with?

[WHEREAMI?]

I pm'd you a company name and number brownsugar, they do pdl consolidation.

[brownsugar]

I've already retained Langhorne Law for my pdls. Now, I need a consolidation company for my Credit Cards.