Can dunning SMS be used as evidence of arrears?

Dunning SMS can be used as one of the evidence of arrears, but it can only be used as auxiliary evidence and cannot be directly used to prove the fact of arrears. It should be used together with the evidence generated by the actual arrears (such as remittance records in the loan relationship and delivery notes in the business relationship).

However, if the two parties exchange messages for many times and the other party confirms the amount of arrears in the message for many times, they can directly use the dunning message combined with the other party's reply message as evidence of arrears to prove the fact of arrears.