Bank Of India — Undue charges recovered in the name Cheque Return

Address:

101, GHANSHYAM BHUVAN, PLOT NO 10, SECTOR-3, GHANSOLI

Hi,

I HAD a account with Bank Of India - [protected]. I had given a cheque numbered '239077' to NEELKANTH INFRATECH of Rs 3500000 on 06-August-2022. It came for clearance on 09-August-2022 but was returned due to reason - 'Advice not received'. I then paid the bearer the same amount through RTGS and the transaction was closed. Now all of a sudden I see an attempt for the clearance of the same cheque again on 19-August-2022. Now the cheque bounced with reason - 'Insufficient funds' and Rs 590 were charged due to 'INW CHEQ RET CHARGES' although no one sent the cheque for clearance again.
Again there is an attempt on 20-Aug-2022 and again there is deduction of Rs 590. I wish to understand what is happening here. I visited my home branch - GHANSOLI (IFSC code BKID0000129) and was told to go to the recipient's branch. Is there no safeguard for your own customer. Also, earlier the cheque was returned due to non-receipt of mandate even when there was sufficient balance, now then why is the cheque not checked for a mandate on 19-Aug-2022.

I have closed the account because I had no other option to protect my money. Thanks for the marvelous customer service. Keep it up.