i have recently applied for bankrupcy where i paid churchwood financial to complete the paperwork and set the date for the hearing once this was completed i attended court and soon found out that churchwood had completed the forms incorrectly. so have had contacted them to find out why it had gone wrong. after sending the documents back to them i had to wait 3 months to wait to see if i would get an email where there procedure states 28 days! after many telephone calls & emails no one ever got back to me and today i called them and they told me that i would not receive a refund and the customer service rep told me that the person that looks at all of the cases and decides if there should be a refund issued is only mediumly trained i thought that a fully trained person should be the one that decides?