If the IOU is not signed by me, the IOU generally has no legal effect without other evidence to prove the establishment of the loan relationship, and the parties may request the court to verify it.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 63 Evidence includes:

(a) Statements of the parties;

(2) Documentary evidence;

(3) Physical evidence;

(4) Audio-visual materials;

(5) Electronic data;

(6) Testimony of witnesses;

(7) Appraisal opinions;

(8) Records of the inquest.

Evidence must be verified before it can be used as a basis for ascertaining facts.

Article 64 The parties have the responsibility to provide evidence of their own claims.

The people's court shall investigate and collect evidence that the parties and their agents ad litem cannot collect on their own due to objective reasons, or evidence that the people's court considers necessary for hearing a case.

The people's court shall comprehensively and objectively examine and verify the evidence in accordance with legal procedures.