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Is there a point in postin messages on here if u dont get a response?

have read FAQ's thnx dont mean much to me soz but they dont

I logged onto my account yesterday and a chq tht I had given someone had been paid in......my account said -£101. This amount was transfered from my main account to the chq account Today I logged on to find out if a debit had been set up.....to find £38 charges on the chq account. I rang the bank to ask why etc the charges The response received not good. So I went to the bank etc and was told the following(s) The sufficient money was not in the account! The money was not in the account (a) before 9.00am the bank opens @ 9.30am. (b) the money was not in the account before 3.00pm Wrong on both the money was in the account well before 3.00pm......I used internet banking (best n quick transfer)....yes thn should of rang the bank to tell them what I had done! Why? What is the point of internet banking to transfer money instantly from one account to the other if an item is going to be returned? I also asked for a chq to be cancelled the other week as it had not been received and it was paid! and so was a void chq Also know tht a chq I did not sign (in error) was cashed with someone elses signature on it Anyone advise me how I can claim charges back etc