Modern people like to use mobile payment and often handle various businesses online. Even if you borrow money, you like to transfer money on your mobile phone, which is particularly convenient. They think that after the transfer, they can borrow money in the postscript, thus completing a loan process simply and conveniently, saving time and effort. You can also avoid a lot of cumbersome procedures. If the other party doesn't admit it, take out this certificate.
However, this practice has no legal basis. If the postscript indicates that this is an IOU, but the other party firmly denies it, despite the word IOU, the other party can say that it has not seen it and there is no way, unless it is assisted by chat to prove that this IOU really exists! Moreover, the continuity of chat records requires the provision of complete chat records, which cannot be intercepted intermittently.
Therefore, senior legal persons suggest that it is the safest way to write a white note when borrowing money. However, if the actual situation cannot produce physical evidence such as IOUs, then remember to keep all kinds of evidence such as telephone recordings and chat records. Because to prove the legal loan relationship, it must be confirmed by both parties, which can prove the existence of the loan relationship! It is unfair to both borrowers to use a postscript that anyone can comment on as a loan certificate. After all, when collecting money, you think that the other party agrees by default, but the other party's default doesn't mean anything, because for many people, they don't pay much attention to the meaning of transfer information! Therefore, remarks and postscript have no legal effect.