Bank Of Baroda — wrongly charged return charges

Address: Surat, Gujarat, 395006

My sb act no.[protected] with bob ifsc barab0honeyp (Fifth charactor zero) i deposited cheque no.913808 for ₹20000/ on 13/03/18 drwan by dena bank surat city itslf. It was cleared and credited on 20/03/18 (8days) and on the saame day my sip just for ₹ 2000/ returned mechanically. They penalised me charging ₹ 295/ for the default in service provided by them. On my request to waive this charges they have not treated me wel though
Senior cityzen. I had no option but to give complain in writting to them. Please help me in the matter