Write a letter to the bank asking to explain the causes of dishonour of a cheque

Bank Name
Address
Name

Dear Sirs,

I am surprised to find that you have dishonored my cheque No. ________________ dated ________________ , for Rs.________________  in favor of ________________ with a remark “Effects Not Cleared.”

My balance with you after you had honored my previous cheque was Rs.________________  on 13rd November, I sent a cheque of ________________ for collection. This collection would have raised my balance to meet sufficiently the dishonored cheque.

I shall be glad to know the reasons for dishonoring my cheque.

Yours faithfully,

Name