The respondent herein filed S.T.C.No.22/2013 before the learned Judicial Magistrate, Fast Track Court, Tiruchengode alleging that on 01.09.2012 the accused had borrowed a sum of Rs.75,000/- (Rupees Seventy Five Thousand only) from the complainant and to discharge the same, the accused on 11.09.2012 issued a cheque in favour of the complainant bearing Cheque No.013744 drawn on Indian Bank, Kumbakonam and the accused filled up the cheque in front of the complainant and signed and given to the complainant and the complainant presented the same for collection on 11.09.2012 through his Bank, Indian Overseas Bank, Periyamanali Branch and the same was returned to the complainant on 12.10.2012 as "Funds Insufficient" and then the complainant issued a Registered Legal Notice to accused on 03.11.2012 and the same was received by the accused but the