1. The platform has a transfer record, and the method of not paying back the arrears is as follows:

(1) Negotiate with the other party about repaying the money;

(2) If the other party does not pay back the money after negotiation, if there is a transfer record and there is no debt, you can also sue. But at this time, there must be other evidence to prove the existence of the debt relationship, because the transfer record does not necessarily prove that the other party borrowed money, which may be mistaken for a gift relationship.

2. Legal basis: Article 678th of the Civil Code of People's Republic of China (PRC).

The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.

Article 674

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Second, what happens if you owe money?

The consequences of not paying back the money are as follows:

1, will be sued by the other party;

2. If the court does not pay back the money after the judgment, it may constitute a crime and constitute a crime of refusing to execute the ruling, and will be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine;

3. If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined.