离大谱！360借条的签名，出现在度小满合同上？用户：那我问你？平台：那你问我

Core Viewpoint - The article discusses a case involving a user, Mr. Li, who applied for a loan through the Du Xiaoman platform and discovered that his electronic signature was improperly used from the "360 Borrow" platform, raising legal concerns about the validity of the loan contract [1][9]. Group 1: Loan Application and Terms - Mr. Li applied for a loan of 5,000 yuan with an annualized interest rate of 23.4% through the Du Xiaoman platform, experiencing issues with violent debt collection after defaulting on payments [1][9]. - Between September 2021 and May 2022, Mr. Li took out four loans, each with a repayment term of 12 installments, leading to complications when he defaulted on the first loan [1][9]. Group 2: Signature and Legal Concerns - Upon reviewing the loan agreement, Mr. Li found that the electronic signature used was sourced from the 360 Borrow platform, which raises questions about the legitimacy of the contract [4][10]. - Legal experts assert that the electronic signature must be controlled solely by the signer at the time of signing, which was not the case here, indicating that the loan contract may not be legally binding [16]. Group 3: Identity Verification Process - During the loan application process, Du Xiaoman did not prompt Mr. Li for identity verification methods such as facial recognition or SMS verification, which is unusual and raises further concerns [6][13]. - Du Xiaoman's representatives stated that they utilized an existing electronic signature from the certification authority, which was valid at the time of the loan application [15]. Group 4: Potential Legal Implications - The use of Mr. Li's electronic signature from another platform without consent could be classified as "misappropriation of another's electronic signature," potentially leading to civil liability for Du Xiaoman [8][16]. - Despite the lack of a valid written contract, a factual borrowing relationship may still exist between the parties, which complicates the legal landscape [8][16].