Borrowing money, owing money, can you win the lawsuit with fingerprints?

As long as it can prove the existence of the loan relationship, it is not necessary to take fingerprints as the effective condition.

If the receipt itself is incomplete, it can be proved by other means such as transfer voucher and witness testimony. 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.

Consequences of non-repayment:

1. High penalty interest: If the borrower fails to repay the loan within the time limit, according to the provisions of the online loan platform agreement, the borrower may be charged a high penalty or penalty interest, even several times the interest, which will bring a heavy burden to the borrower;

2. Serious impact on personal credit record: if the borrower fails to repay the loan for a long time, the online lending platform or collection agency can take legal procedures to recover the arrears according to law, the borrower's personal credit record will be seriously affected, and financial services such as bank loans and credit cards may be rejected;

3. Bad influence on social networks: Many online lending platforms are combined with social networks. If borrowers evade debts, they may change their personal information or stop participating in social networks. This kind of behavior may lead to bad influence on interpersonal relationship, and may face the consequences of alienation of friends and unemployment;

4. Illegal risk: Some bad online lending platforms use usury, violent collection and other means. The use of these means not only violates the law, but also may bring personal threats and economic losses to borrowers and people around them.

To sum up, the key to the IOU is to sign, and it doesn't matter whether you press your fingerprint or not. There are also reasons for debt. If there is evidence of debt, it doesn't matter whether there is debt or not.

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.

When the lender brings a lawsuit to the 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.