Don't you still have transfer records and chat records? Can you sue him?

There are no IOUs, only transfer records and chat records can be prosecuted. However, if the defendant refuses to admit the loan, the plaintiff needs to provide other corresponding evidence. It is difficult to win the case with only one transcript, and other evidence is needed to support it. Whether the transfer record can be used as evidence depends on the specific situation, and the evidence in different situations is different.

Legal analysis

It can be identified as a loan relationship through creditor's rights and bank transfer records. Of course, it would be better if you could provide IOUs. Suggest prosecution. Bank transfer records can be used as evidence to prove the fact and amount of arrears. The effective elements of a loan contract between natural persons: the borrower pays the loan in cash, bank transfer, online electronic remittance or online loan platform when receiving the loan, the money is delivered by bill when it reaches the borrower's account, the lender authorizes the borrower when the borrower obtains the bill right according to law, and the borrower provides the loan in other ways agreed with the borrower when it obtains the actual control of the account and actually performs it. The defendant should provide evidence to prove his claim. After the defendant provides the corresponding evidence, the plaintiff should still bear the burden of proof for the establishment of the loan relationship. You can sue according to the transfer voucher. If you can't provide evidence to prove that the transfer record between the two parties is a previous debt dispute, then determine the legal relationship of lending.

legal ground

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