As per the record, the complainant Ram Phal filed a complaint against accused Sanjay Kumar Kashyap under Sections 138, 141 and 142 of the Negotiable Instruments Act. As per complainant's version, accused borrowed a sum of 66,000/- from the complainant for the purpose of improving his business with the promise to return the same at the earlier. In discharge of this liability, the accused issued a cheque bearing No.616028 dated 12.07.2011 for a sum of 66,000/- in favour of the complainant, which on presentation for encashment, was returned back along with the remarks “Funds Insufficient”. Legal notice was served. When the amount was not paid, then the complaint was filed within time.