Thanks for the reply. I went round and round with the bank yesterday and they told me the same thing. I guess I actually knew that but I needed someone to point it out a few times before it sank in. Appreciate the comment! Guess you live and learn and do stupid things along the way!
I guess shame on us. We were selling a car on Craigslist. We wanted to sell it asap. Got lots of takers but we obviously went with the wrong one. They sent an email saying the wanted the car (sight unseen, first mistake). They emailed quite a few times before my husband decided to check it...