Credit Help

[Missam05]

I don't know if I asked this question or not but I have another concern. I was banking w/Wells Fargo since 2001 and had the usual problems but got back on track. It wasn't until my last semester of college (Fall 2005) that I had no job and no means to keep my balance positive. Shoot I got all the way to November b4 it got to where I was only dollars away from being overdrawn. Anywho the account was overdrawn and w/ no job I didn't have a dime to put it back in the green. I moved back home and got a PT job and amongst my other bills thought I would pay a lil' bit on the bank account. In the meantime, the bank was still sending me notices of an overdrawn account (to my OLD address even though I had requested a change of address back to the house). It wasn't until some holiday (President's Day or something where the banks are closed) that I tried to use my card to pay more money on my account that I found out it had been closed. Actually I didn't find out until I called the folks. That next day I got a letter (which had a change of address slip on it cuz it had been sent to OLD one) saying that the account was a lot of days (100 or so) overdrawn and that they would be closing the account soon. Then the next day I got a collections notice. I was shocked. While I knew it was possible (actually I didn't) I felt that they did not give me enough notice.

Okay..flash forward to my question cuz I think u get the idea. I pulled my credit and didn't see any records of this debt. After I received the collections notice, I sent them a letter stating that I would pay them only when I received a better explanation as to why I wasn't given the proper notification of the status of my account. (Meaning I had changed addresses right when I came home in Dec. so there's no reason that I'm waiting for mail sent in Jan/Feb.) I want to contact them to see if I still owe but since it didn't show up does that mean it just disappeared. Should I?