My friend has taken a loan and has submitted blank cheque as security. She couldn't close it and entered a settlement with the bank for 1.5 lakhs and gave 3 cheques of 50 thousand each. Out of the three cheques 2 were encashed by bank but my friend lost job in covid and couldn't pay the 3rd cheque. Now bank has submitted the first blank cheque for total amount and not 50 thousand and filed a case under section 138 of NI act. What should we do now.