Hello, I had taken personal loan in 2008 and paid few emi and later on could not pay due to personal problems. I had given security blank cheques at the time of signing documents. Now bankers have deposited one cheque for more than Rs. 10 lakhs and the cheque is returned with endorsement as Account Closed. The security cheques had only my signature. I have not closed my account on my own. Now How do i defend in court? I request learned advocates to kindly help to defend.