threatend with legal action

<p>On the 25 of may 2017 i recieved a letter from Standard bank card division stating that i owe them an amount of R510,60 on a credit card account from the looks of it,now,how is it possible that i can owe money on an account i closed more than 20 years ago?more over i am not even a client of standard bank for the past 5 years and i definately did not had a credit card with them,exept if it is proven undoubtfully that i have been in the wrong fornthe past 20 years or so.i need this to be resolved asap,or i will be forced to take measures into my own hands to defend my name and credit record,by the way,law state that no credit provider may harm your credit rating through a mishap of their own,so,i need this to be resolved.find attached the letter that was sent to me.</p>