refunded money bot credited to account

Location/place: MALDA

Name of company/service: BANK OF INDIA

I have a savings bank account and a prepaid mastercard debit card from bank of india.
On 4th june I made payment to an online merchant through my debit card using payment gateway of www.Moneybookers.Com.
For some reason the merchant couldn’t process my order so they refunded my money(it is $131.80) to my moneybookers account on 8th june. Immediately moneybookers transferred the money to my mastercard(no.: 5264954320018367) as I’ve been sent confirmation emails from both merchant and moneybookers.
9 days gone, but I’ve not received the money on my account yet!
I’ve contacted moneybookers several times and they’re telling me each time that they have already processed the transaction through mastercard and suggesting me to contact my bank because they(moneybookers) can’t do anything now and it’s on bank’s hand now.
Now, I wanna inform that also I tried to contact bank of india, I called their customer care number and was advised to contact via email addresses.
Then I sent emails for solution to their five different email addresses those are: [email protected], [email protected], [email protected], [email protected] and my branch email address [email protected] from my email address [email protected] But surprisingly none is available or interested to solve my matter. I’ve got not a single response since one week!!!
so I request here to take urgent action so that the money be credited and appeared on my account soon.
My complaints are two now-
1. Against bank of india as my money not credited to account.
2. Against bank of india again as they are not interested to solve my problem and not replying me to emails sent to them.

Here are all details regarding the issue-
*my name as on bank passbook- MD MAMUN AKHTER
*a/C no.- 432010110004089
*bank of india branch name: malda town main branch, ifsc code: bkid0004320
*mastercard debit card no.- 5264954320018367, valid till dec’16
*date of processed refund from payment gateway: 8th june 2012
*payment gateway: www.Moneybookers.Com (my registered account on there is [email protected])
*amount: $131.80