Sorry if I upset anyone, that was not my intention at all. So lets start over here. Sorry jj and sorry Chane.:o So jj, you say I can dispute? what are the drawbacks of doing that while the account is still within the statue of limitations? Understand I do not want to sit back and do nothing. Thats why I'm asking these questions. I think from here on out I will ask my questions 1 at a time as not to confuse the point I'm trying to get accross. Thanks again
