Union Bank Of India — Transaction

Address:411045

I issued a cheque dated 30/12/16 of Indian Bank Decan Gymkhana Pune no 008138 for rs 12000 in favour of Babushah having a savings bank account with baner branch pune and it was cleared and the account of Babushah was credited on 5/1/17. To my surprise to day after such a long time the cheque was returned with a note returned by HDFC for "insufficient funds"
I do not after the cheque had already been used why it was sent to HDFC.
How such a cheque came into the possession of the Bank for the bank to use the same. I require clarification to proceed further in the matter and if I do not receive any clarification I will be forced to complain to the Finance Minister. The cheque was taken back after delivering to me.
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