The IOU did not explain the reason for the arrears. At that time, there was no third party to testify, the debtor's signature did not match the ID card, and the handwriting was a bit messy. Is this iou valid? There is no reason for the arrears on the IOU, which does not affect the effectiveness of the IOU.

The absence of a third party to testify does not affect the validity of the IOU.

However, the debtor's signature does not match the ID card, and the creditor needs to prove who the debtor is. If the debtor presses the fingerprint, he can apply to the court for identification. The fingerprint is consistent with the actual borrower and can also prove the loan relationship. If there is no fingerprint, the name does not match the ID card, and there is no witness to testify, there is a risk of losing the case.