Because court action is involved I hope Mark, guy or someone knowledgeable will advise you. But the last thing you need is a wet lawyer.(posted 7593 days ago)I might be wrong but as it was 5 years after the repo that that they contacted you, the matter might be time barred....again hopefully someone else will confirm this or put me right. This might depend on whether or not you have acknowledged the debt in any way. You should let us know if you have and if so when.
Have you SARN'd the Lender and all its' cronies...if not it would I think be a good idea to do so NOW and by Recorded Delivery. You MUST read all the Do's and Don'ts on the Options. It's a lot to take in but having a better understanding of the processes will give you the confidence to tackle this and not give in to their threats, until they have proven the debt.
I'm sure you will get good advice from some of the others and keep us all posted. Contact direct if you wish.
Take care
M ar k bel