One mistyped digit sent 31,000 baht to an account opened the same day by a foreign national — a classic mule-account pattern. The police froze the funds; the bank still refused to return them. The Supreme Court ordered the bank to repay in full plus 3% interest, citing Civil and Commercial Code sections 657, 665, 672 and 1336 and the bank’s duty to act in good faith and to fair commercial standards under the Consumer Case Procedure Act.
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