In life, when you need money badly, you will think of loans. Most of the loans are for their own use, and a few people just act as intermediaries and lend them to others. For example, this summer is to lend money to others, but others have not repaid the principal and interest of the loan, thinking that they do not have to bear the responsibility. In fact, Xia still has to take responsibility. Let's see what happened. The credit cooperative issued a loan to Xia, but Xia claimed that the actual user of the loan was Wang Moumou and refused to repay the loan principal and interest, so the credit cooperative filed a lawsuit in court. Bincheng District People's Court ruled that Xia returned the loan principal to the credit union and paid the corresponding interest. The court found through trial that in February, 2065438+2002, Xia borrowed 200,000 yuan from the credit union and signed a loan contract, stipulating the loan period and the expected annualized interest rate. The credit union issued a loan to Xia as agreed, and remitted the money directly to Xia's bank account. Xia signed and sealed the loan receipt for confirmation. After the loan expires, Xia fails to repay the loan principal and owes some interest. The credit union urged him to fail, and he filed a lawsuit with the court. During the trial, Xia argued that the loan was true, but the actual user was Wang Moumou, who did not know the specific repayment situation. Therefore, the loan should be repaid by Wang Moumou, and Wang Moumou should not be liable for repayment. The court held that the defendant Xia voluntarily signed a loan contract with the plaintiff, and the loan contract relationship between the two parties was legal and valid. If the plaintiff issues the loan as agreed in the contract, the defendant shall return the loan principal and pay the corresponding interest as agreed in the contract; If the repayment obligation is not fulfilled on schedule, which constitutes a breach of contract, overdue interest shall also be paid to the plaintiff according to the expected annualized interest rate of default interest. The defendant claimed that the actual user of the loan was Wang Moumou, but did not submit evidence to prove it; And the evidence submitted by the plaintiff is sufficient to prove that the borrowed money has indeed been paid to the defendant's account. As for the defendant transferring the money to others for use, it is another legal relationship, which has nothing to do with this case. Therefore, the defendant Xia claimed that Wang Moumou should bear the liquidation responsibility and did not support it. Accordingly, the court ruled that the defendant Xia returned the plaintiff's loan principal of 200,000 yuan, and paid the corresponding interest and overdue interest.