STILL REQUESTING PAYMENTS AFTER 3 YEARS

I HAVE HAD A LOAN WITH FINCHOICE BACK IN 2013, I HAVE BEEN PAYING FOR ALMOST A YEAR VIA DEBIT ORDER ,I WAS THEN RETRENCHED AND SENT THROUGH A RETRENCHMENT LETTER NOW 3 YEARS LATER I AM RECEIVING SMS NOTIFICATIONS THAT I OWE ALMOST TRIPLE THE AMOUNT BORROWED YET FOR ALMOST A YEAR I HAVE BEEN PAYING VIA DEBIT ORDER BEFORE I WAS RETRENCHED . IT WAS SUPPOSE TO BE RESOLVED THEN AND PRESCRIBED NOW THAT IS BEEN SO LONG . I WOULD LIKE A LETTER STATING EITHER.