If you owe money, only transfer records and telephone recordings can you sue and win.

If you owe money, you can sue if you don't record it. If the other party fails to pay back the money owed, the creditor can sue without owing money, but it needs some indirect evidence, such as witnesses, chat records, transfer vouchers or telephone recordings. The more sufficient the evidence, the greater the probability of winning the case and getting the loan back.

Therefore, there is no debt, which does not mean that the case cannot be established and the debt cannot be recovered. Collect prosecution evidence and prepare the following materials:

(a) the complaint, the complaint can be written by yourself or by a lawyer; And prepare the number of complaints according to the number of the other party;

(2) Prepare evidence, the original and photocopy of ID card, all favorable evidence and photocopies of disputes with the other party, and other evidence that may be helpful and witness list.

Therefore, if there is no IOU, find other evidence to prove the existence of the loan relationship. IOUs are important documentary evidence and creditor's rights evidence for the existence of loan relationship, but they are not the only evidence.

In the absence of an IOU, the lender can prove the existence of the loan relationship through short message records, general memories, bank transfer vouchers, witness testimony and other evidence, forming a chain of evidence, and the court will decide that the loan relationship exists and the borrower should repay the loan.

Legal basis: Article 2 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases stipulates that when a lender brings a private lending lawsuit to the people's court, it shall provide debt certificates such as IOUs, receipts and IOUs, as well as 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, and the people's court ruled that the plaintiff did not have the creditor qualification after examination and dismissed the prosecution.