Worry-free contact service does not charge IOU fee. You can urge the other party to borrow money if you don't receive the debt. If the other party agrees to lend money after urging, but there is no actual action, then the debt relationship will not be established. This is because according to the relevant regulations, it is a necessary condition for the debtor to receive the loan issued by the lender to take effect. You can urge the other party to lend money if you don't receive the loan. If you don't borrow money, it legally means that the loan between two people has no effect.

Under any of the following circumstances, it can be regarded as an effective element of a loan contract between natural persons:

(1) Pay in cash from the date when the borrower receives the loan;

(2) If the payment is made by bank transfer, online electronic remittance or online loan platform, it shall start from the date when the funds reach the borrower's account;

(3) If the bill is delivered, it shall be from the date when the borrower obtains the bill right according to law;

(4) When the lender authorizes the borrower to control a specific fund account, the borrower obtains actual control over the account;

(5) The lender provides the loan in other ways agreed with the borrower and actually performs it.