Your letter looks good except you should obviously remove references to non reciept of SAR.

These application / agreements are a bit tricky. Most times they claim the prescribed terms were on the reverse of the application. (Most times this is a lie).

I have two agreements exactly like that. The law requires under the CPR that originals are produced into court. However I am still a little unsure as to what concessions may be granted where the creditor argues (for logistical reasons) only microfiche or electronic copies are available. ('Cos we all know how these can be 'edited' to suit a purpose).