Latest Posts
Home > Ask The Get Out of Debt Experts > R&N Consulting and Timeline Debt Solutions Won’t Give Back Our Money. – Brenda

R&N Consulting and Timeline Debt Solutions Won’t Give Back Our Money. – Brenda

“Dear Steve,

57 yr old Ontario female that was looking to get out of debt and came across Rick and Timeline Debt.
They took my monies for 6 months then cancelled my contract.

Rick promised me that they had a Canadian office and they had no problems working from the states. After 6 months, he cancelled my contract saying that TD bank would not work with his company and the bank had filed suit to get a judgement or lien on my house. In his cancellation letter he promised a full refund which I did not recieve but did get 1/3 the amount.

Since then I paid 600 more to the credit card companies, 60 to the court, 400 to Ontario Debt solutions. I have received acceptance on my consumer proposal and paying 125 a month as of Sept 15.

Rick promised a full refund of my contract when he cancelled me and only received 1/3 the amount. There is still 1,000.00 owing. I lodged a complainty with BBB in September but just received an email that they can’t do anything about this.

I am wondering what I can do next.

Also is there a lawsuit I can get involved in or can we let more people know about this scam artist.

Brenda”

Get Out of Debt Free Hotline

The Answer

Dear Brenda,

From documentation you provided along with your questions I see that Timeline Debt Solutions is related to R&N Consulting Group. It appears the Rick you refer to is Ricky Permanand and the N in R&N is Nicholas Salerno, gentlemen I have written about before.

Based on their past issues and the fact they are alleged to be actively under investigation in Florida for previous activities (link) I would think that following this process would be the best chance of getting a full refund. Follow each step of the process to get best results.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

morehelp1” width=
“Choice1”“Choice2”
“Choice3”Big Hug!

Get Out of Debt Guy – Twitter, G+, Facebook

If you have a credit or debt question you’d like to ask just use the online form.

Get Out of Debt Free Hotline
debt settlement helpstudent loan help

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Steve Rhode

    Thanks for the update.

  • Forbes7494

    As I have posted about R & N and since followed your advice things have turneed interesting.  The Flordia Attornery General sent my claim to 1 of their departments and R & N would not even get get back to them.  Therfore my file was closed because of no response and prior to that BBB did the same.  About a week after I got that letter, an attorney or police phoned me and wanted to know the date of contytract and how did we contact each other for R & N.  I found out that R & N had a order against them to no longer pickup clients through the internet and that they also owefor finds in the system.

  • Forbes7494

    As I have posted about R & N and since followed your advice things have turneed interesting.  The Flordia Attornery General sent my claim to 1 of their departments and R & N would not even get get back to them.  Therfore my file was closed because of no response and prior to that BBB did the same.  About a week after I got that letter, an attorney or police phoned me and wanted to know the date of contytract and how did we contact each other for R & N.  I found out that R & N had a order against them to no longer pickup clients through the internet and that they also owefor finds in the system.

    • http://GetOutOfDebt.org Steve Rhode

      Thanks for the update.

  • Alisha Neuron

    Hi, Steve you have given me a chance to read nice views. I appreciate it.
    http://www.insurance-colorado-

  • Forbes7494

    Thanks I am sending a package today to the ttorney Generals office. Hope this will help in getting the monies back

  • Forbes7494

    Thanks I am sending a package today to the ttorney Generals office. Hope this will help in getting the monies back

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.