Letter confirming prescribed debt/account closure

MBD has been harassing me with calls on 3 accounts that have prescribed.

Please note that I have not had any communication regarding any Direct axis, Wesbank and Capitec loans and thus note that any of these accounts that MBD is calling about is dormant and has not been acknowledged in the past three or more years. Therefore, these accounts have prescribed and what you are doing is *******.

I have not acknowledged the debt in the past 3 consecutive years, either in writing or verbally, not made any payment towards the outstanding amount, nor have I promised to pay. No summons has been issued within 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 a prescription Act 68 of 1969 (Prescription Act).

These debts therefore prescribed and I'm not legally bound to repay such. I request this matters 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 relative authorities, ie, NCR and LSSA.

Please attend to this matter at the soonest and email a Prescribed letters that these accounts are closed to ***