When writing an IOU, whether you have a copy of your ID card or ID number does not affect the legal effect of the IOU, but the IOU itself is legal. But in social practice, if you have doubts about the debtor's integrity, you'd better ask him to provide a copy of his ID card and indicate his ID number.
The statute of limitations for loan contract disputes with permanent validity and no agreed repayment period is calculated from the date when the creditor claims the creditor's right, and the statute of limitations is 2 years.
According to the General Principles of the Civil Law of People's Republic of China (PRC) and Article 135 of the Civil Law of People's Republic of China (PRC), the limitation period for requesting the people's court to protect civil rights is two years, unless otherwise stipulated by law.
Extended data
According to the General Principles of Civil Law of People's Republic of China (PRC)
Article 137? The limitation period of action shall be counted from the time when you know or should know that your rights have been infringed. but
However, the people's court will not protect the rights that have been infringed for more than 20 years. Under special circumstances, people
The people's court may extend the limitation period of action.
Article 138? If the parties voluntarily perform after the expiration of the limitation of action, they are not limited by the limitation of action.
Article 139? In the last six months of the limitation of action, if the right of claim cannot be exercised due to force majeure or other obstacles, the limitation of action shall be suspended. From the date when the reasons for the suspension of the limitation of action are eliminated, the limitation of action shall continue to be counted.
Article 140? The limitation of action is interrupted by the institution of a lawsuit, the request of one party or the agreement to perform the obligation. From the time of interruption, the limitation period of action shall be recalculated.
Article 14 1? Where the law has other provisions on the limitation of action, such provisions shall prevail.
China Court Network-General Principles of People's Republic of China (PRC) Civil Law