There are ten taboos for writing notes:
Avoid leaving too much blank space. The blank between the content part of the receipt and the signature is too large, which makes it easy for the holder to add other content, or cut off the original content and add new content in the blank.
Second, avoid confusing case. When writing a note, if there is only lowercase, there is no capitalization; Or the decimal point position is not accurate, and there is a space in front of the number; Or the case does not match, it is easy for the holder to add numbers or modify them, and even cause civil disputes.
Third, don't write with faded ink. Writing a note with a ballpoint pen or other easily faded ink will become blurred if it is not properly preserved, damp or flooded, leaving an opportunity for some people with ulterior motives to smear it with chemicals.
4. A note without a date. If there is no date, once a dispute occurs, it is often difficult to find out the truth, and it is also easy to have difficulties in determining the limitation of action.
Five taboos are not clear according to the content. Some regulations write "buy" as "sell", "receive" as "pay" and "borrow" as "borrow", which easily confuses right and wrong.
Six bogey names are incomplete. If there is an anonymous surname or an anonymous surname on the bill, it will leave the other party with an excuse for cheating and a handle for breach of contract.
7. Do not check carefully. Written evidence written by others or by the other party shall be carefully examined and examined, and shall not be signed or sealed indiscriminately.
Eight don't use homophones. Don't use homophones and polysemous words instead of names, otherwise disputes with unclear responsibilities will easily occur. The name on the ID card shall prevail and have legal effect.
Nine bogey seals are not standardized. It is difficult to identify the responsibility when someone else's writing or signature is controversial. I just put a handprint on it.
Don't ask for a receipt when you repay. When repaying the loan, if the other party claims that it can't find the debt at the moment, it should be asked to write a receipt and keep it safe to avoid leaving hidden dangers in the future.
In short, once the receipt is signed, it is generally binding on all parties to the contract, especially the receipt of an economic nature. Therefore, whether the terms are accurately written and whether the rights and obligations are strictly and completely stipulated is related to the vital interests of the parties and affects the judgment and determination of the merits in the event of a dispute. Therefore, when writing notes, you must be careful, be familiar with the format and writing of various notes, and never take it lightly.
legal ground
People's Republic of China (PRC) Civil Code
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.
Article 670 Interest on a loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.