Bank Of Baroda — cheating

Address: Mumbai City, Maharashtra

I am having my salary account xxxxxxx3761 with you thru’ your sanpada branch. I had issued cheque (Cheque no. 9) for rs.44162.
Today it came for clearing but its got bounced stating that insufficient funds.

1. We have deposited rs.40000 directly at atm before 7am.
2. Also recd that a mgs from u stating my account avail balance is 44679/-
3. Till that period cheque not came to my account.
4. We got the sms @20:47 regarding this cheque bounce.
5. After that we checked the statement in there its clear that the cheque very well came after the amount deposited.
6. The same thing also confirmed by your tele caller mr. Praveen, as per him the cheque came for clearance at 4pm.

Now we need this

1. Why it got bounced?
2. Inspite of balance how come the cheque unpaid without your knowledge.
3. I need this to be sorted out and need the refund for the dishonor charges and give me a bankers cheque. So that i can pay my payee. (For his bouncing charge)
4. If you are deciding everything before opening of the branch then why we are receiving the sms at 20:47.
5. Amt was there in my account and the cheque came in by 4 pm you had more than 5 hrs with you if you working time starts by 8 or 9 am also then also my cheque was returned that to without my knowledge.
6. Your guy told that the its your rule that the amt should be deposited in the account 24hrs before the cheque come for clearance — please mentioned where in the account opening from this clause is mentioned.