Sam,(posted 8279 days ago)IMHO: Step back and take a few deep, slow breaths. Tell yourself, it's just someone else's game, and it doesn't matter at the end of the day. The world doesn't stop turning because a bunch of wankers send somebody a bunch of letters.
Now start again at the the beginning.
Can you tell us who the lender is? The dates of the repo and the lender's next contact with you? It may be that they are outside of their own six-year [voluntary] limit. Why didn't you receive the paperwork on the sale from the lender? Did the lender have a forwarding adress?
I know there's a lot on the Repo Site, but start by reading the 'Repossession' section. Contact me direct if you like, especially for support.
There is also a possibility that you might care to seek support from GP, who will refer you to a counsellor. I took this option when the repo stuff (right at the beginning)was too much for me, and it was well worthwhile.
Take care out there. Eleanor.