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Payments Services Regulations 2017: Primary UK legislation governing payment services, including regulations on unauthorized transactions and error resolution procedures

Consumer Rights Act 2015: Fundamental consumer protection legislation that establishes rights for consumers in relation to services provided by financial institutions

Financial Services and Markets Act 2000: Core legislation establishing the regulatory framework for financial services in the UK, including complaint handling requirements

Limitation Act 1980: Legislation setting statutory time limits for bringing legal claims, relevant for determining deadlines for raising erroneous transfer complaints

FCA Handbook: Regulatory guidelines from the Financial Conduct Authority detailing requirements for financial institutions in handling customer complaints

Banking Code of Practice: Industry standards and best practices for banks, including procedures for handling payment errors and customer complaints

FCA Dispute Resolution Rules (DISP): Specific regulatory requirements for how financial institutions must handle and resolve customer disputes and complaints

Law of Restitution: Common law principles governing the return of money or benefits received by mistake or unjust enrichment

Doctrine of Unjust Enrichment: Legal principle establishing when someone who has received money by mistake must return it to avoid being unjustly enriched

Mistake of Fact Principles: Common law principles dealing with errors in transactions and their legal consequences

UK Finance Guidelines: Industry body guidance for financial institutions on handling payment errors and customer complaints

Financial Ombudsman Service Approach: Precedents and approaches established by FOS in handling similar erroneous transfer complaints

General Data Protection Regulation: EU regulation (retained in UK law) governing how personal data must be handled in financial transactions and complaints

Data Protection Act 2018: UK legislation implementing and supplementing GDPR requirements for handling personal data in financial services