come forward to pay the amounts claimed within one month from the date of receipt of notice. Instead of that, the accused sent a reply dated 20.12.2010, accepting her liability. But, in the said reply, the accused had stated that she availed a loan of Rs.10,00,000/- and also stated that the cheques were given as security. The allegations are frivolous and above cheques were not given as security. To prove the averments made in the complaint, on the side of the respondent/complainant, complainant examined himself as P.W.1. and 13 documents were marked and the petitioner/accused has not denied the signatures and the only defence taken by the petitioner is that there are discrepancies in the loan amount paid by the respondent/complainant and the loan amount received by the petitioner/accused and the conviction is based on the document in Ex.P6, which is reply notice issued by the petitioner/accused to answer the demand notice issued by the respondent/complainant, which was invalid before the eye of law. However, to disprove the said contention, the petitioner/accused has not producd any document and hence, the learned appellate Judge, rejected the said contention.