There are IOUs for private lending, but there are too many transfer accounts and the running water shows that they have been paid off, which one shall prevail.

1. The running water is inconsistent with the white strip, which may be based on the white strip or running water. From a legal point of view, an IOU is a written document showing the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated on the IOU.

However, when the IOUs are actually paid, the debt relationship is established.

2. After this happens, it is best to collect the following evidence to prove your point of view:

(1) Find an insider who has no interest to testify in court, but it is not enough to have witnesses, but physical evidence is also needed.

(2) Provide a bank transfer certificate to prove that both parties have the money, but if there is only a transfer record and there is no other evidence to prove that the money is a loan, it is impossible to sue.

(3) SMS, telephone recording and other evidence that can prove the occurrence of the loan. An iou refers to a bill written to the other party when borrowing personal or public cash or goods, that is, an iou. After the money and goods were returned, the IOUs were revoked or torn up. This is a document. Usually used in daily life and business management.