Prescription of Debt

In 2011 I took a credit card with First National Bank while I was still working with Kunene Masango Inc. the firm had problem and some of the client's reported the firm to Law Society and I was out of job. I did advised the bank that I am no longer working and I expected that my credit card insurance will settle settle the amount outstanding which I assumed that was the case because since then the bank did not bother me with this credit card debt. On Friday 25 May 2018 seven years later I received and email from Charmaine from Groenewald Lubbe Attorneys the details of the e-mail is attached hereto. On the 26th May 2018 I received a letter of demand which is also attached talking about last 20 days but I do NOT have any credit card with FNB after 2011. The claim is not prescribed and invalid.