Hobbie You say It's not for you nor the wrong recipient to resolve, it is for the sending bank and receiving bank to resolve between themselves. So far neither bank or agency has made any offer to get involved or accept they are responsible for resolving the situation. Are you confident your comments apply where the mistake was made by the person providing the sort code / account number i.e. there was no "error" by either of these parties. So far the only support offered is to forward any letter I write to the account holder

Approx £22,000. The bank says it will provide my phone number to the account holder, I suspect I will hear nothing

Anyone know of examples where either a bank or the BACS system itself were held responsible when a mistake was made by the person advising the sort code / account number/account name. The comment by both originating bank and recipient banks are that BACS systen does not check the account name and relies only on the numbers given. Any error is therefore the person advising sort code / account number. Assuming for the moment the above is true, can anyone advise can one force the recipent bank to reveal name / address of the account holder to whom the funds were transferred? Does this need something like a court order? does the account holder to whom the funds were transferred have any legal rights to the funds / any obligation to report the error to his bank if noticed? Any advice would be much appreciated as I am a total novice in these matters