About two years ago, I enrolled in a credit consolidation/counseling program with a company called United Financial Systems located in Margate Florida. Along with numerous other people, I have had several instances of the company taking money from my bank account and not paying my creditors when they agreed to. It now appears they are collecting money from their clients and not paying their creditors at all. Recently, they cannot be reached over the phone at all, and do not reply to emails. I have been calling multiple times a day and get sent directly to their voice mail which is always full. I managed to leave a message 2 weeks ago and was never called back. They have failed to make payments to creditors on time, several times over the last 3 years. In 2010 they have were late in May, July, Sept and Oct of this year. For these months, the payments were not sent to my creditors until I emailed their customer service manager, Jamie Lyons. They still have not made my payments for October, and I have emailed J. Lyons several times over the last 3 weeks. It usually takes 2 or 3 days to reply, if I get one at all. In September, when I emailed her about my late September payment, she said that my October payment would post by 10/13. The payments had not been made a week after the 13th, so I emailed her again and she said that she would make sure they post to my accounts within 3 business days. A week later, there were still no payments. Then, another email from me, and another promise to have it to my creditors within 3 days. It's now Nov 10th, and still no payments to my creditors. I am fed up with UFS and constantly having to worry whether my credit cards are being paid. Last Thursday, I have sent them an email requesting they terminate my program and refund my September and October payments($1100) which they have drafted from of my bank account, and not sent any of it to my creditors. I have not received a response from J. Lyons. I have the credit card and email records to substantiate these claims. Currently, UFS has 287 complaints with the Better Business Bureau and 73+ unanswered complaints, with an F rating