conversation: User (woahdudehelp): "Edit\n\n[Daily Mail Article](http://www.dailymail.co.uk/news/article-3342060/Reddit-user-22-shocked-400-000-mysteriously-appears-bank-account.html)\n^lol, thanks daily mail\n\nAlso, thank you for gilding!\n\n----------------------\n\nFirstly, thanks to all helpful and constructive comments! It should be mentioned that it is part of the reddiqutte to follow the subreddit rules.\n\nOnto the update. \n\nLong story short, the bank called. An employee had accidentally transferred a home loan funds into my account!\nFrom many redditors, if it was a customer error, legally I would be able to keep the money (not implying that I would). But if it were a bank error, they could take it - no questions asked (info from several redditors who worked in a bank).\n\n\nThey called me that they will reverse the original transaction, and to move the money into my original account because I had moved it into a new account so that I could distinguish between 'that' money and my money.\n\n\nIt took under 5 minutes. Very anti-climatic, but better than a lawsuit! Thank goodness that the stress is over.\n\n\nAlso, since it is a new month (today is 1/12/15, Australia), a credit interest had occurred in my account and they didn't take that either. Since the money was in that other account for one day it got about $25 credit interest. \n\nSo... essentially, I got out more than what I initially had woo (-:\n\nI think I'll just let it sit there for the memories. Haha.\n\n\n--\n\n\nI learnt a lot of things from this as well. (Remember this is from Australia, and could be from the UK as well, because we do apply UK's common laws to Aus...maybe...IANAL)\n\n\n- *Unjust Enrichment*: In law, unjust enrichment is where one person is unjustly or by chance enriched at the expense of another, and an obligation to make restitution arises, regardless of liability for wrongdoing. (Scary!)\n\n\n- *Change of Position*: Change of position is a defense to a claim of unjust enrichment, or for restitution. Ordinarily, someone who has been unjustly enriched at the expense of another is strictly liable to disgorge his gains. However, a "change of position" defense operates where it would be inequitable to compel him to make restitution. (https://www.reddit.com/r/AskReddit/comments/m06n7/whats_the_best_legal_loophole_you_know/c2wzyy1 - thanks to /u/pspins for the link)\n\n\n- *Theft by finding*: Theft by finding occurs when someone who chances upon an object which seems abandoned takes possession of the object but fails to take steps to establish whether the object is abandoned and not merely lost or unattended. In some jurisdictions the crime is called "larceny by finding" or "stealing by finding".\n\n\nThere were lots of very unethical things I could do, but I had no desire to do that (this has to be established and said, apparently).\nIn conclusion, do not take money that's not yours.\n\n\nThank you for all your help, PF!\n\n\n*TL;DR* Bank error, collect $25. Also, proof: http://imgur.com/ip7czHt"
  Self: "Certainly a better story than the time I tried to withdraw $20 and the ATM didn't get around to giving me the cash, then the bank counted the ATM and didn't reimburse me. You're a winner in my eyes OP."
  CoachMarkS (CoachMarkS): "I once told my bank that I was off by 5 cents on a check deposit (put in $XXX.X3 when I meant to put in an $XXX.X8). They reviewed it and credited my account 3 cents. I just shook my head and put in a 2 cent bank error into my check register."
  evaned (evaned): "I once got a bill for $0.02 for use of my college dorm room's phone line.\n\nIt amused me greatly that they spent significantly more money proportionally on the paper, ink, and stamp to send it to me, and the time for someone (or machine time) to enter my check, than they were billing for."
  djzenmastak (djzenmastak): "that's what paper checks are for.  use that no stamp required business envelope to send them back a 2 cent check."
  