Bad Account Management

I had a standard bank personal loan that was handed over to MBD in 2012/13. I was paying monthly debit order amounts via MBD and eventually contacted MBD to settle the loan in March 2015. They gave me a settlement amount telephonically at a 20% discount but never sent me email communication. I then made the payment directly to standard bank, however the discount was never updated. Now the account has been handed over again on the basis that I owe the bank the 20% discount amount. <br> <br> I refuse to pay this amount all because MBD did not update the statement and NOT send me the settlement letter or even acknowledgement of payment. I have tried contacting MBD to have this resolved but apparently it is my fault to not have followed up for the letter which I think is unacceptable. The banks new collectors are hounding me daily for something that I didn't cause. I will go as far as reporting this to the credit ombudsman. <br> <br> And because they say their calls are recorded, I expect there to be detailed records of this on my account records. I will take MBD to court because this is giving me bad credit because of they tacky conduct.