All points taken onboard, I will hear them out, both Paypal and my bank, but someone has stuffed up and it will need to be reversed as fast as it was taken or the FOS will be on their backs. It simply should not happen with all the automation that they use on our accounts, the identical Lodgement details for the debit should have caused the system to stall at the payment.  Do they need a backup computer to keep watch on the accounts computer do they? I mean, try and pay a bill online by leaving off one simple digit, or adding an extra one, and the payment will be rejected until you get it correct, but they can still take my money from their end with the wrong numbers. Go figure that one. It's ok when it suits.