Hi Pete thank for your help. Yes bluestone say they can provide a new recipt to me. Also I paid them via sterling bank draft from TSB bank in Ireland which was taken out of my account with them so there is a paper trail proving this all the way. Metropolition are having none of this. They are saying the debt is still mine. I spoke to the manager of the hsbc bank and he was the one who informed me of what happened. Do you think I should sue for damages? They have put me through alot of stress. the account i settled they said was mine but the manager in HSBC said it was not its their mistake not mine they have had this on my credit report for 6 years showing it still outstanding when it should have been marked as settled. please eveyone i cant sleep with the worry of this can anybody offer me advise?

I was contacted by an agent of SL Bluestone Law on on behalf of Metropolitan regarding a debt I had with Natwest bank. I settled this account with her in May/June of 2002. She then contacted me at the end of June in 2002 and said that she had an account with my name on it with HSBC bank and that she wanted payment for it. I settled this account at the start of July 2002 as I did not want it to ruin my credit rating. I thought that that was the end of it. I moved back to Liverpool in September 2007 and 2 weeks ago I received a letter from Lowell Portfolio Ltd saying I had a debt which was sold to them by Metropolitan. This was the debt that I thought I had cleared with Bluestone. After a lot of digging around it looks like I paid a debt owed by some body else from cork in Ireland who has the same name as myself born in the same year but has a diffrent middle name and was born in March I was born in August I paid more that I actually owed to HSBC in the first place. Has anybody ever experinced this. I sent a letter via registered mail to metroliton demaning a resolution. A good chunk of the debt was regarding overdraft charges which have been made illigal in recent days. Any advise would be greatfull.