Can chat records be used as evidence of arrears?

Of course. When online chat records are used as evidence in private lending cases, they must be authentic.

(1) The authenticity of online chat records includes two aspects.

1, on the one hand, the subject is real, that is, the online chat record is the record of the real lender chatting with the borrower.

2. The authenticity of chat records can be realized in the following ways in judicial practice:

(2) The online chat records authenticated by institutions or individuals with professional qualifications or notarized by the notary department can be used as evidence to determine the facts of the case in private lending cases;

(3) A qualified witness proves to be a true online chat record through testimony or effective witness testimony, which can be used as evidence.

When online chat records are used as evidence in private lending cases, they must be complete and relevant. Integrity means that online chat records used as evidence in private lending cases should be complete in form, including legal and complete forms, that is, online chat records should be presented in the form of legally recognized evidence, including text chat records, video chat records, voice chat records, etc. On the other hand, the content should be complete, that is, when submitting the online chat record as evidence, the party responsible for proof must submit the whole online chat record completely, not only the favorable part, but also the unfavorable part. The relevance of online chat records refers to the content of online chat records used as evidence in private lending cases, which must be related to the lending facts of private lending cases, including the substantive and legal connection between chat records and the facts to be proved, such as the amount of loan, the delivery method of loan, the purpose of loan, the agreement on loan interest, the time of loan and repayment, etc. It is of great significance to the fact finding and legal definition of private lending cases.

What evidence is there to sue for arrears?

I. IOUs and loan contracts that prove the existence of the loan relationship between the two parties.

2. Evidence that the amount agreed in this loan contract has occurred, such as bank flow, WeChat transfer, Alipay transfer voucher, receipt, etc., are all evidence.

Legal basis: Article 63 of the Civil Procedure Law. The types of evidence include:

(a) Statements of the parties;

(2) Documentary evidence;

(3) Physical evidence;

(4) Audio-visual materials;

(5) Electronic data;

(6) Testimony of witnesses;

(7) Appraisal opinions;

(8) Records of the inquest. Evidence must be verified before it can be used as a basis for ascertaining facts.