Well low and behold got a letter back from a CA I sent a validation letter to back in Feb them sending me a copy of the contract we signed for Overdraft protection from FOA in 1996, them sending it back to me, and only a validation letter going to them, due to fall off at the end of the year, what should I do? Not sure if I should pay or not? It is so long ago, and I did not renew my clock as stated in my first letter, so if I just leave it then it will fall off soon enough. Right thing to do or what do you suggest?