>> I'm not sure what you mean by what programme or utility. When i had the
>> camera it came with a disc which i loaded into the computer.
That is the program or utility that you use to download the pictures
>> I don't use the delete option,
If you don't do the delete option, funnily enough you computer duplicates pictures that were previously downloaded because they are still on the camera.
>>i use the memory card as a back up to the computer
>> & vice versa, I also use the camera as a travelling pocket photo album.
you shouldn't. A camera is for taking pictures, not a photo album or a portable back up drive.
All the above is why your computer is duplicating pictures.
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Downloading pictures, problems. 
Downloading pictures, problems. 