Nedbank personal loan and Hammond Pole- can’t agree ok a settlement even though the loan should be presvribed

A Nedbank personal loan that should have been prescribed is being now demanded after 6 years. The account was handed to Hammond pol. Now being offered a discount to settle, as a customer I am saying I will still settle even though I shouldn’t and I’m advising on a settlement amount- yet again Nedbank recoveries and Hammond Pole have different amounts and as the consumer I suffer. I am trying to sort this out but get passed from person to person! Absolutely unacceptable