MFC Notice of judgement

My MFC financed vehicle was reposesed in May 2018. 3 weeks later i callled and the consultant told me the account was closed. I then assumed the vehicle was sold without shortfall. It has been quete, no communication, statement, calls or any email since they collected the vehicle. Now in 2022 May i received notice of setdown for judgment regarding the same account. I had always thought the account was closed. Also if it wasn't i believed it would have been prescribed. The bank is taking me to court after a full four years of no communication. Summons were served to my old address, although there wasnt a single call or email after they took the car. for a full 4 yrs. They were able to contact me on both email and whatsapp to notify me of the court action. Yet they could not contact me after they took the car. I now believe this wass deliberate so the account could accumlate interest