The Trial Court while dismissing the complaint has noticed that admittedly applicant had advanced loan to the tune of 1,50,000/- to the respondent on 5.2.2003. Agreement Ex. C-1 in this regard, was executed between the parties. Respondent had agreed to repay the loan amount in 30 equal installments to the tune of 8375/- per month. It has been further noticed by the Trial Court that the applicant continued receiving the monthly installments and from the statement of account, it was evident that the respondent had paid 1,53,385/- to the applicant as on 9.3.2005. It has further been noticed by the Trial Court that as per Ex. C-7, 97,865/- was outstanding against the respondent as on 9.3.2005. Therefore, there was no occasion for the respondent to have issued the cheque in the sum of ` 1,41,247/-. In the facts and circumstances of the present case, the Trial Court rightly came to the conclusion that it was possible that the blank signed cheque, given by the respondent to the applicant, might have been mis-utilized. Learned Trial Court has further noticed that although, the cheque in question was presented to the bank within the statutory period but it was not established from the record that the same had been issued by the respondent in discharge of legal liability.