1. Is the IOU written by others and signed by yourself valid?
If someone else writes an IOU, if the content of the IOU is legal and does not violate public order and good customs, it is the true intention of the parties, and the IOU is valid after I sign it. If the content of the loan is not the true intention of the parties, the contract will be invalid after I sign it.
Article 143 of the Civil Code
A civil juristic act that meets the following conditions is valid:
(1) The actor has corresponding capacity for civil conduct;
(2) the meaning is true;
(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.
Article 490
If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.
Article 667
A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668
A loan contract shall be in written form, unless otherwise agreed between natural persons.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
2. Is the blank signature IOU still valid if it is sued?
Blank signature changed, the loan is invalid. The IOU changed by blank signature is a forged IOU, which has no authenticity and legitimacy of evidence, so it has no legal effect. If the debtor has evidence to prove that the IOU is forged, it means that there is no real loan relationship between the two parties, that is, the blank signature is changed to IOU, which is invalid and the debt does not exist. Unstamped IOUs are valid. IOUs have legal effect. As long as the reason and amount of the arrears are clearly written and signed by the debtor, then the IOU has legal effect, and the IOU without seal is also valid at this time. IOU is a kind of documentary application written to the relevant unit or individual when an individual or unit owes money or things. A civil legal act in which the actor and the counterpart collude maliciously and harm the legitimate rights and interests of others is invalid.
A civil juristic act that violates the mandatory provisions of laws and administrative regulations is invalid. However, unless mandatory provisions do not invalidate civil legal acts. A civil legal act that violates public order and good customs is invalid.
Whether the IOU is valid or not depends not on the writer of the IOU, but on whether the signature of the IOU and the content of the IOU conform to my true wishes. The IOU signed in blank is invalid and has no authenticity and legitimacy of evidence, so it has no legal effect. A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.