Beneficial - HSBC claims they didn't get payment checks that they cashed Salinas California

I borrowed money from Beneficial/HSBC almost 4 years ago & payed it all back in about a year. For a few years I kept getting offers for new loans in the mail & the letters would say what a great contumor I am. Then about a year ago I get a phone call from some lady from the other side of the country demanding $800 & threatening to sue me. I told her I paid Beneficial/HSBC a few years ago. It took them months to actually send me a bill in the mail. One man I talked to actually said he didn't think he could send me a bill. When I finally did get a bill it was for 400 & something dollars. I finally did find the finall payment I made to them. I have wrote in my check register as HSBC like the guy on the phone said that is who I was making my final payment to. The check went through my bank as Knights bridge receivables. I got ahold of Knights bridge receivalbes & they said that they do collect mony for HSBC, but now they are saying that the money was applied to a company I never heard of & Beneficial is saying they don't deal with Knights Bridge receivables & never got my check of over $500. I have turned them into every Government agency I can think of. I sevral bills for over $4oo. but then the letters they sent to the Government agencies says the payoff amount is over $1,000. They can't even stick to there story about how much they say I was deleinquent for or if it was a credit card account or a direct loan. I have in writing from them different amounts .

Alesea
Placerville, California
U.S.A.