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Law Offices of Richard A. Brennan - Can you rely on them?

Date: Thu, 03/23/2006 - 08:43
Submitted by scaredsillybydebt on Thu, 03/23/2006 - 08:43
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I received a call from these people yesterday. They said that for a $200 retainer they can put me in a debt management program and even consolidate my payday loans. Does anyone have any experience with them? Are they legit?


This is in response to the guest comment about why would they tell you they were sending a refund?
This is why. RA Brennan is turning over all Credicure's clients over to a new company beginning Oct. 1st. If you choose not to stay with them and create a debt settlement program (Which is not paying off your creditors completely)You will be sent to this "new" company, at which time there will be an "audit" of funds, where they try and figure out who's staying, who's going to the new company, and who is going out on their own. IF you are going to the new company, they are supposedly going to be making any payments that havent' been paid for the last few months, as was in my case. If you are going out on your own, you should be getting a refund.
In my case they withdrew money for Aug. and Sept. and told me when the new company took over they would make 3 payments in the month of Oct. So far, it hasn't happened, and they told me that no payments would be coming out Oct. which they did, So, I disputed the debit, because no services were rendered, and the bank refunded my money. I will probably close my acct.
My advice to all of you... Go to BBB type in RA Brennan Law, and make a complaint.
I have since called them several times and sent many emails, to which they have not responded. What a shocker.


Submitted by on Tue, 10/17/2006 - 07:28

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Kimberly -
Did your bank refund the amounts from the August and September withdrawals as well, or just the October one? I have heard the same story from most of their employees regarding the Aug/Sept/Oct payments, however some employees have different stories as to what happend with the past 2 months withdrawals they took. I assume that the initial refundable payment is long gone, but if there is a way to recoup the payments from August thru October (assuming they don't follow thru and send them to the creditors)then I would love to know how to get it back.


Submitted by on Tue, 10/17/2006 - 09:31

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CAREFUL...If your bank refunded you money...they give up to a certain amount of days to get the money back from RA brennan if they cant, they will deduct the amount you owe. Your dispute for the amount that was taken from RA brennan is under investigation. I know, I worked at a bank for 5 years, just be careful because if the money RA brennan took from your account isnt paid back to the back they will reverse that amount in your bank account...regardless if RA brennan paid your creditors or not. I got lucky that I was smart enough to close out my bank account. I only got aug payment deducted and waiting on that refund. I spoke to some moron about it today she said sometime in OCt.If not, they will be hearing from my attorney.


Submitted by on Tue, 10/17/2006 - 14:42

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I have attepted repeadily to contact Richard's office. I have also left several VM for Richard...with no response. They have been deducting money out of my account for the last 2 months and haven't been paying my bills. Not to mention I canceled my enrollment over a month ago. Also, beware..I had really good credit 750 credit score before them. Now I can't even get a low rate credit card becuase you get bad things listed on your credit report. I was totally mislead on this whole thing....I am one pissed off girl.


Submitted by on Tue, 10/17/2006 - 14:56

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I too have been scammed by Creditcure/Richard Brennan. I received a letter saying that they were taking over for Creditcure and trying to help us out. This is awful. There should be a law against this. I have lost around $400 because I paid it up front after being told that I would receive it back in a year. If there is anything that can be done I hope that someone will do it. We work too hard and times are too hard to just throw money away. The whole reason we are in this mess is because we were trying to get out debt straighten out and now we have a bigger mess. God please help us.


Submitted by on Tue, 10/17/2006 - 16:26

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I have called them for the last time today. Thursday they will be hearing from my lawyer. I am so fed up. First I was told the first of October then the 13th, now they are saying they don't know, but we will get our money back. I wished I lived up there. I would picket their building.


Submitted by on Tue, 10/17/2006 - 18:48

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Here's a good one - I spoke with tiffany at the office today and she informed me that all the payments that they are late on (August thru October for my account) will be sent to the creditors this month. When I asked her for this in writing, she stated that no one in the office is allowed to send letters to their clients. What company has that policy?! Sounds like they are trying to avoid leaving a paper trail when all or our lawyers and the government agencies come down on them.


Submitted by on Wed, 10/18/2006 - 08:47

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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 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.


Submitted by on Wed, 10/18/2006 - 11:08

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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!!


Submitted by on Wed, 10/18/2006 - 15:10

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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???


Submitted by on Thu, 10/19/2006 - 15:38

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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!


Submitted by on Tue, 10/24/2006 - 06:17

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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.


Submitted by ray_42244 on Tue, 10/24/2006 - 07:54

ray_42244

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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?


Submitted by on Tue, 10/24/2006 - 07:55

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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.


Submitted by on Tue, 10/24/2006 - 11:28

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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


Submitted by on Wed, 10/25/2006 - 12:24

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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!!


Submitted by on Wed, 10/25/2006 - 16:55

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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?


Submitted by brownsugar on Wed, 10/25/2006 - 18:03

brownsugar

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I spoke to Natasha today and she told me that No one will recieve the money back. She said she has a list of people that she needs to call. But I told her why were you telling me that a check for aug 28th will be refunded back to me? She said after her supervisor looked into it, that my aug payment was being paid for my july payment. And that when I started on the program it was pushed a month back. Example. Jan 28th is supposto pay for Feb. She told me that it was being paid for December. They held the money when I started the program. So none of my credit card companys received any money for a month when I started. Does this make sense to anyone? And were you told the same thing. This is such a joke. Is she just telling me what I want to hear or what? Im calling my bank and going to report fraud for that month that was taken out. Ive tried dealing this on my own and its getting to be a headache. I knew I wasnt going to see that money back. The refund is a joke. WE wont be getting anything back.


Submitted by on Wed, 10/25/2006 - 19:03

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[color=red]Marketing post deleted - Mike[/color]


Submitted by on Thu, 10/26/2006 - 07:31

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I have contacted the AG in texas located in Austin. They have a website where you can file your report at www.oag.state.tx.us. Click on the left 'Consumer Protection', Click on the right 'Consumer Complaint Form Online'. File your complaint. They recommend that you copy the correspondance, contract, etc. and send it to them.


Submitted by salpackard on Thu, 10/26/2006 - 09:10

salpackard

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I am sending this letter to Brennan's office. It probably will elicit no response.


As of this date I am terminating your services for non-payment of my creditors. Two payments equaling $1562.00 have been removed from my account with no services rendered. The staff of Richard A. Brennan is unresponsive. I have filed a complaint with the Attorney General of Texas and the Better Business Bureau. I am retaining a lawyer to recuperate my expenses.


Submitted by salpackard on Thu, 10/26/2006 - 09:19

salpackard

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If you go to www.bbb.org Type in Richard A Brennan's phone # ONLY, and it will list his office.
Phone # is (866) 892-1055


Submitted by on Thu, 10/26/2006 - 09:59

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Now they are trying to tell me that they will only refund me for September, that August was for the previous month. That is a big steaming pile of bull s#$%. What business, particularly when dealing with people already in financial trouble would front the money to pay the creditors and then debit the client the next month? I have the paperwork to prove they are full of crap.


Submitted by Angry Woman on Thu, 10/26/2006 - 13:04

Angry Woman

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Taquita,
Thanks for the information. I'm in the same boat, taken my deposit and 2 months and refuses to return the money. Now saying they can only return 1 month, full of BS. Their primary number is not working either. Here's another working number:

Natasha : 1.240.215.3624 direct line...

One thing that may help a little. Since this money is taken out of your bank account, I contacted my bank and aside from the stop payment, I alerted their Fraud division, they are investigating as well.


Submitted by on Thu, 10/26/2006 - 14:45

( Posts: 202330 | Credits: )


So, I just just talked to someone from Consumer credit counseling Services of America and they are going to send me my registration stuff for Robert A. Brennan's company to represent me....now what? I was just reading all of this information and now I am scared that once again I just gave this man my checking account info because I thought it was safe. If I don't sign the contract will they still take money from my account?


Submitted by tinkers on Thu, 10/26/2006 - 15:39

tinkers

( Posts: 41 | Credits: )


tinkers,
Are they supposed to be debiting from your account anytime soon? I would block any ACH debits from them if you are having second thoughts of using them. My bank has always told me that they need at least 3 business days to block any ACH debits. Also, since you haven't signed any contracts yet, you shouldn't be bound by any of their terms or conditions.


Submitted by brownsugar on Thu, 10/26/2006 - 18:04

brownsugar

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Thanks brownsugar. You would think by now I would know better to give out my bank info. I am just so overwhelmed with phone calls telling me to pay up all the debt by a certain date or they are filing papers in the county I live in and going to serve them to me. Do you know of any company out there that has a good reputation that could help me consolidate or something??


Submitted by tinkers on Thu, 10/26/2006 - 18:07

tinkers

( Posts: 41 | Credits: )


Are your's storefront or internet? I retained Langhorne Law for debt settlement for my internet pdls. I don't know if they handle storefront. It feels good to tell these jerks to call my attorney :D Payday Avenue had the nerve to tell me to get a family members account and have them debit from that :evil: That takes alot of nerve!!!


Submitted by brownsugar on Thu, 10/26/2006 - 18:10

brownsugar

( Posts: 1389 | Credits: )


I have both storefront & Internet. You don't think they will do Storefront?

That's pretty crappy about Payday Ave. I guess I am glad that I don't have one through them. I have to 6 storefront & 7 internet. This is ridiculous and I aske myself everyday "How did I get myself into this mess? I am so sick of crying at work due to harrassing phone calls. I could understand if they actually wanted to be nice and work with me, but instead one lady from a storefront loan called me a loser today. I am by far not a loser, just needed a little extra cash because I was short for a bill and then one loan lead to another. I know it's my fault, but why won't they work with me. They sure wanted to when the gave me the money.


Submitted by tinkers on Thu, 10/26/2006 - 18:14

tinkers

( Posts: 41 | Credits: )


For one and a half years, I made payments to the Credicure/USA debt management and then the account was transferred to Richard A. Brennan's law office in May 2006. The law office did not make two payment installations to the major creditor and now I am threatened with low credit rating for the law office's not making payments for two months, even though I am paying to a different company. Will Richard A. Brennan please help as I read several queries with positive comments? All I am asking is a complete refund for two months. Thanks!


Submitted by jechoate on Fri, 10/27/2006 - 11:03

jechoate

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Is this a case for class action? Hey Richard if you're listening maybe you could advise us how to get our money back from you? Sooner or later you are going to be held accountable. So any ideas out there how we can all get together and get our money back???


Submitted by on Sat, 10/28/2006 - 10:18

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I'm in the military, and I have JAG Officers available to me for free law advice and representation. If we class ation this guy, the Navy's going to bat for me and it's gonna get ugly. I just hope that good olde Dickey knows this. The last JAG I went to see is not happy about this situation. I can garentee that he will never see another military member or a dependent of any military memeber for anything ever again. I sent him a letter demanding a refund of my deposit, all my payments taken since July as well as $3000.00, which is 75% of what my debt has increased by since joining Credicure. I feel that I am being resonable. I got 2 kids to feed here, this is BS. He's got 30 days before the Navy gets involved. I want my money, and I want it now.


Submitted by on Sat, 10/28/2006 - 22:27

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