If there is a dispute, the borrower will pretend that the signature was not signed by him, but by another person with the same name and surname. If you have fingerprints, you can apply for fingerprint identification. If there is only a signature but no handprint, the plaintiff has to apply for signature handwriting identification. Handwriting identification is more difficult than fingerprint identification, so the identification fee charged is higher. When applying for appraisal, the appraisal fee shall be paid in advance by the party proposing the appraisal. After the trial results come out, the appraisal fee shall be borne by the losing party. Although the party who ultimately bears the appraisal fee is the losing party, it is better to pay less than more.
I once struggled with this question: Is it better to sign the IOU or press the fingerprint? Is fuzzy fingerprinting really effective? Because I have represented many cases of private lending disputes, I know that whether I sign or press my fingerprints, as long as it is the behavior of the parties, it is effective.
If the parties do not admit it, they may make an appraisal. If it is the signature of the client, then handwriting identification can be done. If it is the fingerprint of the client, then fingerprint identification can be done. Both forms can be identified as long as they are the signatures or handprints of the parties concerned. This is the charm of science. If you don't accept it, you can't do it.
From my years of litigation practice, I can tell you:
1. The debit note has the borrower's signature. Although there is no fingerprint, it is still valid as long as the borrower signs it himself.
2. If the signature on the IOU is not the borrower's own signature, but the handprint on the signature belongs to the borrower, then the IOU is also valid.
There are both the borrower's signature and the borrower's handprint on the IOU, not to mention.
Finally, it is best to write the borrower's ID number on the debit note. In this way, the probability that the borrower wants to cheat is almost zero.