Peppered with ‘like’
adopted the usage of past perfect tense in this context due to the formal nature of the proposal. – VF First of all, let me say that using the past perfect tense does NOT make a document sound more formal. A past perfect tense is used to distinguish between two different times in the past. The earlier action is expressed in the past perfect tense, and the later action in the simple past tense. I don’t know the context of your proposal, so I can’t comment on whether you are using the past perfect tense rightly or wrongly.
If it is not necessary for you to use the past perfect tense, you should express yourself as follows, in the present perfect tense:
“The borrower has made a written request to the bank ...”
But use the simple past tense if you are writing the precise date of the “written request”, e.g. “The borrower made a written request to the bank on 15 June this year.”
Yes, requests have to be made, not provided. And please don’t say “written request letter”.
It is understood that a written request must take the form of a letter of some sort. If you don’t want readers of your proposal to think the request was made in a memo or a note, you can say “formal written request”.