借条在手,缘何输了官司? |色欲av亚洲一区无码少妇

  □ 本报记者 吴良艺

  □ 本报通讯员 马奔贤 张海彬

  近日,广西壮族自治区崇左市大新县人民法院审结了一起民间借贷纠纷案。原告许某手持被告罗某亲笔书写的借条,主张罗某偿还借款3万元,法院经审理,最终判决驳回许某的诉讼请求。手持借条为何未能得到法院支持?

  许某与罗某系同学关系。许某诉称,罗某因生意周转向其借款3万元,并于2024年9月25日出具借条,约定同年10月18日前偿还该笔借款。借款到期后,许某经多次催讨未果,故诉至法院,要求罗某偿还本金。

  庭审中,罗某辩称,该借条是为帮助许某“应付他人”所写的,双方并未发生真实借贷关系。他陈述,许某此前向案外人出借的款项未能收回,其作为中间人帮忙沟通;为避免许某被责难,才出于好意代为出具借条。

  法院经审理查明,尽管许某提供了借条原件及手持借条的照片,但其就借款关键事实的陈述存在多处矛盾且不合常理。首先,关于借款金额与过程:许某先称实际出借43600元,因罗某当日偿还部分款项,故仅就余款3万元立据;后又改称43600元系另一笔已还清的借款,案涉3万元是此后新借的款项。对于交付方式,其陈述亦在“让朋友取现”与“身上刚好有现金”之间前后矛盾。

  其次,结合双方聊天记录,法院发现多处疑点。记录显示,许某曾催促罗某帮忙“沟通款项事宜”,并提及“我面临一定压力”。罗某则表示“只是想办法帮你沟通”,并主动提出“我明天过去写借条给你”,许某对此回复“好的,多谢”。法院认为,若系真实借贷,出借人收到借条时无需特别“感谢”,此情境更符合一方帮忙、另一方致谢的特征。此外,在出具借条当日凌晨,许某催促罗某,罗某回复“如果急的话你可以过来”,此关于“急”的表述不符合正常出具借条的逻辑,却与“借条用于应急”的辩称相印证。

  法院认为,根据相关司法解释规定,被告抗辩借贷行为未实际发生并能作出合理说明的,法院应结合款项交付、当事人经济能力、交易习惯等因素综合判断。本案中,罗某的抗辩有聊天记录等证据支持,且能对借条由来作出合乎情理的说明;反观许某,其陈述前后矛盾,无法证明已向罗某实际交付3万元借款,应承担举证不能的法律后果。故法院认定涉案借贷事实并未实际发生,依法驳回其诉讼请求。

  法官表示,民间借贷法律关系成立应当同时具备“借贷合意”与“款项实际交付”两个要件。借条是证明借贷合意的重要证据,但并非唯一凭证。出借人应保留好款项交付的凭证(如银行转账记录、线上支付转账截图等),确保证据链完整。对于大额现金交付,尤需谨慎,应说明其来源、用途等情况,并辅以其他证据佐证,避免因无法证明款项已实际出借而承担败诉风险。出具借条亦应审慎,切勿因人情等因素出具虚假凭据,以免引发不必要的法律纠纷。

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