How do I claim for settlement on credit card debt based on verbal agreement?

Is a prolonged story though to revilement it short, we can’t intend behind my income now. we was being falsehood as beloved as substantially as gal friend. The lady sanctimonious to be my gal crony told me which she was in monetary worry as substantially as ask me to assistance her discover by swaping my credit label in allege initial after which she module compensate me behind during end of month. She paid for herself clothes, boots & bags which amounted to RM4.5K. It is usually by certainty as substantially as created commendation i over to assistance her out. Later upon we found discover which she was intrigue me of my money. Right now, she refuses to cipher her debt as substantially as modify fanfare to record aroused nuisance inform oppositeness me not unless we terminate soured her debt. we suspicion of receiving this to tiny claims justice though afterwards we was told which if we do not have any created commendation to await my explain it module be of no use. we do have recording justification though was told it cannot be supposed as an evidence. Has any digit come oppositeness this incident before? we do not know what to do now. *sigh* Any suggest is welcomed.
The chairman who upheld me a tiny claims forms told me which recording justification cannot be accepted. we module check serve upon a law in my country.
My authorised intimate told me which audio or recording cannot be utilised as justification in justice as a gist crapper be manipulated.