STOP HARASSING ME FOR A PRESCRIBED DEBT

Dear CreditIntel Debt Administrator:

This correspondence relates to the numerous calls you have made and the daily harassment you continue to inflict on me over what you have described as an alleged debt that is allegedly owed to Walter Sisulu University. The total amount of the alleged obligation is said to be R10699.12.

I want you and everyone else concerned to know that I do not owe Walter Sisulu University any money. Accordingly, your claims are disputed and ******* under the law—they are invalid.

The Prescription Act 68 of 1969, sometimes known as "the Act," governs prescription in South African jurisprudence. This idea is crucial in figuring out which debts are still enforceable and due. As a result of prescription, a debtor is no longer legally obligated to pay back an old debt due to the passage of time, as specified by the Act's time periods for each type of obligation.

Prior to moving forward with this, I would want to remind you that everyone in this nation is entitled to legal protections in accordance with the provisions of numerous laws. As per Section 10 (1) of the Prescription Act 68 of 1969, the customers or debtor are likewise protected in this situation, accordingly, a debt is prescribed if during the past three years:

· You did not admit to owing on the debt, either verbally or in writing;

· You have not made payment towards the outstanding amount;

· Summons was not issued and served on you.

Furthermore, Section 126B of the National Credit Act (NCA) (Act No. 34 of 2005) handles the concept of prescribed debt in consumer credit agreements. It forbids the sale, collection, or reactivation of debts eliminated by prescription under the Prescription Act. This means that if a creditor does not pursue a debt for a set period of time (often three years for most consumer debts), it cannot be collected, sold, or pursued legally.

In light of the aforementioned legalities or legislations, as well as other applicable laws, I respectfully request that you cease from pursuing me regarding the purported debt—I do not owe Walter Sisulu University any money. I made no commitment or acknowledgement of any debt, either in writing or by phone.

Please remove my name from your debt record and update your system.

Refrain from bothering me over this matter.

Olwethu Z. Mhaga

0723080981