If the repo was 8 years ago they they are out of time. The Council of Mortgage Lenders agreement states that if 'contact' was not made prior to 11/2/2000 then they only have 6 years.(posted 8111 days ago)I would think that as this date is almost 2 years ago then they can hardly have been in contact with you and therefore the 6 year limit applies and they are owed nothing.