It does, m8.
I would suggest using another template, asking for the documantation, under the Consumer Credit Act - you can find one
here. Now, as they used the completed app form as a cheque, then used it for the money you 'borrowed', they will NOT have it will they?
So, you persue the ORIGINAL DOCUMENT which proves the debt/loan. Further to this, we also ask for proof of loss/debt, a signed invoice for the funds and a sworn affidavit from an officer of the company. None of these things are ever done - I have just had DCA number 5 contact me. I am getting pi55ed off now, so I am going for the bloody throat now. I intend a put-up or shut-up moment. Either prove the debt, or I will sue for harrassment.
There are various wrinkles on the standard responses, but stick with the standard for now. When they employ 6 DCA's in total, refuse original docs for 3 years and chase me while refusing to prove any accusation, then I think even a court would agree they have gone too far.
I have had offers to pay half the amount as full and final settlement! Well, if I really DID borrow a sum, why would they be content with half?
Keep at them, m8 - they can't prove anything.