$emailTemplate  = Mage::getModel('core/email_template')->loadDefault('customer_product_return_template');

$emailTemplateVariables = array();
$emailTemplateVariables['return_ref']  = $return_ref;
$emailTemplate->addBcc("abc@gmail.com");
$processedTemplate = $emailTemplate->getProcessedTemplate($emailTemplateVariables);
/* Sender Name */
$sender = Mage::getStoreConfig('trans_email/ident_general/name');
/* Sender Email */
$sender_email = Mage::getStoreConfig('trans_email/ident_general/email');

        $mail = Mage::getModel('core/email');
        $mail->setToName('Manufactures');
        $mail->setToEmail(array($manufacture_email,'xxxxxx@gmail.com'));
        $mail->setBody($processedTemplate);
        $mail->setSubject('Product Return Request from the customer');
        $mail->setFromEmail($sender_email);
        $mail->setFromName("abc trades ");

        $mail->setType('html');
        try {$mail->send();}

//$mail->addBcc('xxxx@gmail.com');
//$mail->setCc(array('a1h1is@gmail.com.com','xxssxx@gmail.com'));