Punjab National Bank [PNB] — cheque bouncing

Address:

Karnal, Haryana

Respected sir
I have an account with your esteemed bank punjab national bank sector-13, urban estate, karnal
I issued a cheque no-355734 of rs-21848/- dated 19/11/2018 from my account number-[protected] in the name of meenuchugh/varinderchugh joint od account in favor of iffco tokyo general insurance company of my car.
Very next day i got a sms for bounce of cheque, to know the reason i called your toll free no. From my registered mobile no-[protected]. This can be checked from recording of your toll free number and they insured me that there is no bouncing. Just to confirm this same i visited the branch and they told there is no bouncing.
Today on 14/11/2018 when i got the statement there is a bouncing of a cheque because of drawer signature difference.
As i am a very old customer of bank all cheque issued are clear then why this car insurance cheque was bounced if any mishappening of my car will happen then who is responsible for it please let me know.
Hope you will resolve my problem and don’t push me for knocking the door of consumer court.
Thanks & regards
Varinder chugh
Phn no-[protected]
Email [protected]@yahoo.com