Detailed description:

1. If the money you borrowed online has not arrived, it is reasonable to say that you don't need to pay it back. There may be many reasons for not receiving the account, such as operational error, system failure or fraud. In this case, you should contact the lending platform or relevant departments as soon as possible, explain the situation to them and seek solutions.

2. When communicating, provide detailed transaction information and evidence, such as contracts, payment vouchers, bank transfer records, etc. In order to better help them understand the problem.

3. The lending platform has the responsibility to investigate and solve such problems and protect the rights and interests of borrowers. Some platforms may ask you to provide further information to cooperate with their investigation. If they finally confirm that it is the fault of the platform that causes the funds not to arrive, they will generally help you solve the problem, including canceling the loan and returning the paid fees.

Summary:

If the money borrowed online does not arrive, the borrower usually does not need to repay it. It is the key to communicate with the lending platform in time and provide relevant evidence to help it solve the problem.

Extended data:

-How to prevent online loan risks?

-What is the difference between the legal effect of electronic contracts and offline contracts?

-What are the relevant laws and regulations in peer-to-peer lending?