UncletC:
If the owner wants the money back, he needs to go report with the police, go to the court to swear affidavit, by the time he finish everything, he may have spent close to N40,000 for a mere N14,000.
So the owner won't come through police because of the process and the bank can never help him track you without police involvement, it is tedious, he won't do it except for huge amount like say N80,000 where something can remain after legal expenses.
but you as an individual find out the senders account details from your bank and send back the money. You can get even his phone number and you are done

Hmm, Seems you don't know npf. So you think it is 14k they are after?
When they nab him, the case will be fraud. Note that fraud is fraud, 1m or 14k. Before he settles the matter, he would have spent 200k, matter never end.