Deliberately misspelled, the loan is invalid. This mainly depends on the specific situation of distinction. If the loan is intentionally invalid, it may be suspected of fraud. Of course, IOUs are invalid for borrowers. He can say that the borrower is someone else. When you write the IOU, you should check whether the borrower's name is correct to prevent fraud and fraud.

Legal analysis

If it is deliberately misspelled, it is suspected of fraud. But whether there is intentional fraud is the key to confirm fraud. If it is indeed fraud and constitutes the conditions for filing a crime, criminal responsibility will be investigated. There is no clear stipulation in the law, which needs to be analyzed in combination with the actual situation. IOUs are written by individuals or units when they owe money or things, and are important evidence to prove the existence of the relationship between creditor's rights and debts. Therefore, how to standardize the writing of IOUs requires some legal knowledge. First, there should be no extra space between rows, and it should be compact; Second, it is necessary to carefully check whether the debtor's signature is consistent with the name of the ID card, so as to avoid the debtor deliberately writing the wrong name to avoid the debt, and it is best to reflect the debtor's ID number in the debt to avoid unnecessary disputes; Third, the debtor's signature should be written in person to prevent the debtor from signing with others and finally refusing to admit the debt; Fourth, try to avoid using language that is prone to differences; Fifth, it is best to reflect the reasons for the arrears in the IOUs for future reference. If you encounter a loan with a wrong name on purpose, you must defend your interests through legal means.

legal ground

People's Republic of China (PRC) Civil Code

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.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.