n.h.loans and direct legal collections shortfall debt

help iam being asked to pay a shortfall debt of £10,110.the house was sold in oct 93,and i was contacted in october 95,iwas unemployed at the time and they said they would not take me to court at that time.i have now recived a letter in feb 2002 from dlc threatening to take me to court for the ammount owed.i phoned and asked about the 6 year rule,but was told it diddnt apply because they contacted me in 95.they also said the mig was nothing to do with me as it was a nhl policy.what do i do now?

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