How to write a dunning message

Dear Mr./Ms. xx Bank, you have been in arrears with xx for 3 months. Please repay in time within two days, so as not to affect your credit information, wisdom and hotline xx!

Dear Mr./Ms. xx Bank, hello! This is the staff of xx Bank. As of xx, xx, your xx installment has not been deposited. Please repay on time on xx, otherwise your credit information will be affected. Please contact the hotline xx!

Dear Mr./Ms. xx Bank, you maliciously owed xx Bank RMB, which has been seriously overdue for many times and refused to answer our phone calls for many times. Please repay in time on xx, otherwise it will be handled by the legal department and entrusted to an external dunning company to take over! Consultation hotline xx!

Dear Mr./Ms. xx Bank, I borrowed RMB10,000 from xx Bank, and repeatedly breached the contract, maliciously delaying the second repayment, which was extremely bad in nature. The repayment period is limited to xx days, otherwise it will be blacklisted by the bank, and a lawyer will be sent to remind it, and a collection company will be appointed to collect it at home. I know! Consultation hotline xx!