I am about to start a claim for missold PPI on a loan I took out with Sainsbury's Bank in August 2002. I have the agreement number but not a copy of the agreement. I phoned Sainsbury's and asked for a copy but was told it had been destroyed as it was over 6 years old. Have since found out under S5. limitation act 1980 such documents should be kept for a period of 6 years after the date on which the cause of action accrued (end of the contract or date of final payment). The loan was repaid over a period of 3 years, the final payment made in October 2005.
Not sure where to go from here. Do I write and request a copy of the agreement? or send a SAR?
Many thanks in advance