First, understand the content of the loan.
First of all, you need to read the IOU carefully to know the specific amount, time, interest rate, repayment method and the signatory of the IOU. At the same time, pay attention to check whether there is your signature or handprint on the debit note, and whether the signature or handprint is true and valid.
Second, verify the loan facts.
If you really don't participate in the loan, but your name appears on the loan, you need to communicate with the signatory of the loan as soon as possible to understand the truth of the loan. At the same time, you can also check with other relevant personnel to confirm whether the loan really exists.
Third, deal with the problem of IOUs.
1. If you are not involved in the loan, but your signature or fingerprint is on the loan slip, and the signature or fingerprint is forged, you can call the police and investigate the legal responsibility of the forger.
2. If you do participate in the loan, but not as a borrower, but as a guarantor or other role, then you need to be clear about your specific responsibilities and obligations in the loan and bear the corresponding responsibilities according to the actual situation.
3. If you don't know the signer of the loan at all, and the signature or handprint on the loan is not your work, you can apply to the court to determine that the loan is invalid, and keep relevant evidence for emergencies.
Fourth, guard against future risks.
In order to avoid the recurrence of similar situations, it is recommended to protect personal information and identity in daily life, and not to sign documents or provide personal information easily under unknown circumstances. At the same time, strengthen legal awareness and understand relevant laws and regulations so that similar problems can be properly handled.
To sum up:
When it is found that someone else's IOUs have their own names, it is necessary to calmly analyze the content and background of IOUs, verify the borrowing facts, and take corresponding measures according to the actual situation. If it involves illegal acts such as forging signatures or fingerprints, it can be handled by the police; If you do participate in the loan, you need to understand and bear the corresponding responsibilities; If it has nothing to do with the IOU, you can apply to the court to determine that the IOU is invalid. At the same time, strengthen personal information protection and legal awareness to prevent future risks.
Legal basis:
Contract law of the people's Republic of China
Article 32 provides that:
If the parties conclude a contract in the form of a contract, the contract shall be established when both parties sign or seal it.
People's Republic of China (PRC) Civil Code
Article 143 stipulates:
A civil juristic act that meets the following conditions is valid:
(1) The actor has corresponding capacity for civil conduct;
(2) the meaning is true;
(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.