Hi Cleo,
I prefer Alan's wording based on personal, informative, notification content. An extra personal touch to show sincere concern would be additional mention of say their last post, if any.
The glaring absence is "how long as bronze before dropped?" Or will that be opportunity for a followup contact? Scenerio: We missed your overdue payment. Second notice: payment due immediately. Third notice: If payment isn't received by XX, credit agencies will be informed. Fourth notice: Your refusal to pay is being transfered to a collection agency. Fifth notice: Sorry you kicked the bucket, we don't know you no more.
Don
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