One is the bank card bound by WeChat platform, which can form an evidence chain to prove the fact of borrowing according to the relevant WeChat chat records and the bank's deposit and withdrawal records.
The second is to withdraw money with change. Some mobile phone systems can't display each other's nicknames, but can only display the amount, transaction date, transaction number and the words "friends have confirmed payment". It is impossible to prove whether the "friend" who received the money is the borrower himself only by the transfer record.
Make full use of the transfer note function:
Whether it is WeChat, QQ or Alipay, you can fill in comments when transferring money. When transferring money, please indicate the purpose as "borrowing".
When using mobile banking, online banking, Alipay and WeChat to transfer money to people, if it is a loan, it is best to write "How much did XXX lend to XXX" in the "Remarks and Instructions" below, indicate the creditor and debtor, and keep the stub.
▲ WeChat transfer, click to add transfer instructions.
▲ Mobile banking transfer, the instructions should be specific.
▲ Alipay transfer, supplementary explanation
China law clearly stipulates that:
Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases;
Article 2 When a lender brings a lawsuit to a people's court, it shall provide such creditor's rights certificates as IOUs, receipts, IOUs and other evidence that can prove the existence of the legal relationship between lending and borrowing.
If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification. If the people's court considers that the plaintiff is not qualified as a creditor after trial, it shall rule to dismiss the prosecution.
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