After complete review and assessment of your loan account, it indicates that you have had three checks returned unpaid from your bank in just last month.
While we regret having to take this unstoppable action, we must assert that all future payments on your loan be made with certified funds. Any payment which is not certified will not be accepted at any conditions and will be returned to you, possibly causing you to incur a late charge.
In making all future payments, please send them to the attention of (denote) for proper credit.
Your cooperation is appreciated and awaited in this matter at the earliest.