Old debt not being prescribed

I have an African Bank personal loan and a credit card which was opened more than 10 years ago firstly I have tried on multiple occasions to get hold of African Bank but when I call the agents tell me verification has been failed and they can't help me the info being requested is old info again from more than 10 years ago which I cannot remember anyway after not contacting me for years I receive a call from a debt collector on behalf of African Bank who pressures me so much and threatens me with legal action while these accounts had actually already prescribed every month I receive a reminder on what's app to make my payment or my salary will be garnished so out of pressure and threats I started paying the collector I am disgusted by this treatment and at this point my request is for prescription letters for both these accounts and for my credit profile to be updated right now they are offering me 30% discount on settlement really for accounts that are older than 10 years? I really need help this is greatly affecting my credit score and largely my life