0 1 Lender becomes borrower.
The procedures of private lending are generally simple, and the loan relationship can often be reached through a paper agreement, but because of this, many lenders often ignore the importance of IOUs because of the relationship. And some bad borrowers will take advantage of this loophole, for example, when they get the money, they will write "I received XX yuan from XX people today".
Once the agreed repayment date is reached, when you ask them for money with an IOU, the cunning borrower will start to cheat, saying that he never borrowed money from you at all, but only received the IOU you gave him before. This kind of dispute is caused by the unclear terms of the loan. Not only is it difficult for the borrower to get his money back, but he is deeply involved in the dispute and is extremely troublesome.
Therefore, I would like to solemnly remind all friends that if you lend money to others, you must read these terms clearly when you receive the loan from others: lender, borrower, loan time, loan amount, agreed repayment amount and interest, repayment date, loan purpose, etc. If you don't write clearly, you must never borrow money.
Deliberately misspelled the borrower's name.
I believe that friends who have made bank loans are very clear that the signature on the bank loan contract must be in block letters. If it is initialled, the bank staff will ask you to fill in a new one. This effectively prevents those who have used their brains from making a fuss about the signature. Deliberately signing the wrong name or using a pseudonym, not taking the signature seriously after borrowing money, violating the contract. Lenders will be particularly passive at that time, which is not conducive to the recovery of debts.
Find someone to sign it for you, but don't recognize it.
Some swindlers will halve the borrower's loan from financial institutions or individuals. In the final stage of signing, they will try to leave the scene and then find a third party to sign. Afterwards, on the repayment date, I refused to repay in the name of not signing.
Play word games
Liars are generally smart and good at exploiting all kinds of loopholes, especially playing word games on loan contracts. For example, if Party A borrows 50,000 yuan from Party B, it can be written that Party A borrows 50,000 yuan from Party B, and the subject of the borrower is reversed by adding the word "give". In the event of a dispute, B will not only fail to get back the 50,000 yuan lent, but also give A a bite, resulting in heavy losses.
05 hide-and-seek game
Since the legal settlement of disputes over private lending is limited to two years from the date of repayment, some swindlers will deliberately evade debts after borrowing money. If the lender does not sue him within two years, the law will ignore him and he can not pay back the money.
Some suggestions on borrowing money.
1. The content of the loan note must be clear, and it must be written clearly when cooking again to avoid ambiguity. The loan is in duplicate, one for each party.
2. When the loan amount is large, the other party is required to provide collateral as much as possible and register the mortgage to ensure the realization of the creditor's rights.
3. If the borrower maliciously fails to repay the loan after the repayment period expires, he shall bring a lawsuit to the court in time within two years to safeguard his rights and interests. If it is not returned in bad faith, the borrower will be required to rewrite the loan and indicate the new repayment time.
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