Bad Service on retrencement claims.

I were retrenched in April 2018. Submitted the documents needed for an incurance claim, and my claim were approved and paid off everymonth. There were only 4 payments left on my loan. Today, 4 years later, I recieved an demanding letter for outstanding debt. HOW??????

Please note that i have not had any communication regarding the DIRECT AXIS personal loan account and thus note that any DIRCET AXIS loan acc that DIRECT AXIS is calling about is dormant and has NOT been acknowledged in the past 3 or more years. Therefore, this account is prescribed and what you are doing is *******. I have not acknowledged the debt in the past 3 consecutive years either by writing or verbally, not made any payment towards the outstanding amount, nor have i promised to pay. No summons has been issued in the last 3 years. They are in contravention of the NCA SEC 126b. It states that no person may continue collection or re-activation of such prescribed debt as prescription Act 68 of1969(Prescription Act). Debt therefore prescribed and im not legally bound to repay such. I request this matter be closed and any negative information will be removed from my credit record. Should i receive any calls i will lay a complaint with the relavant Authorities.