2001 Rover 25 head gasket gone

Can enyone help me?
i bought my rover 25 in november last year. It started to use water, seemed to be burning up through the exaust, I havent got any external water leaks. I took it to a garage they said it was the head gasket had gone.[There was no oil in the water and no water in the oil] I had to fill the water bottle up 4/5 times in 1000 miles of driving.
ive had the head gasket done now BUT.
now ive had to top the water bottle up 6 times in 130 miles. The garage said that it might be 1 of the wet liners that has gone.
is this possible? Or are they just trying it on,
and yes there is now water in the oil. They have told me that it would need a full engine overhaul.
the engine has done 60030 miles