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A licensed property manager, Mateo, pays the mortgage installment for a client’s property to a bank, believing the client is the obligor. In truth, the client had already settled the loan, and the bank’s records show no outstanding balance in the client’s favor. The bank accepts Mateo’s payment and issues a receipt naming the client as payer. The client did not authorize Mateo to pay on his behalf and does not seek reimbursement. Mateo sues the client to recover the amount he paid, arguing there was a mistaken payment. (a) Identify which doctrine governs this scenario and explain why it is not Accion in Rem Verso. (b) Distinguish the controlling rule of the chosen doctrine from the doctrine of Accion in Rem Verso. (c) Apply the rule to the facts and determine whether Mateo can recover from the client and why.