RE: FCA - Probably no records going back to 20075 Aug 2025 08:33
I would probably consider my wife and I to be typical record keepers (although we’ve never bought a car on finance). We have a filing cabinet that we use for most paper work, anything business or tax related we keep for 7 years. Some stuff, like house records we just keep, other stuff like old bills we dump periodically when the pile gets excessive. Basically we do a spring clean in the office every couple of years. Now granted, there will be some hoarders out there with a garage full of boxes, but there will be others who don’t keep records at all. I’ve had a Quick Look and only house stuff is older than 2015 and we’ve no bills, statements or the like from before 2019. All the old MoTs and service stuff for old cars either went with the cars or got shredded when they went. So, who the hell is going to have load agreements from 2007? Very few I’d suggest and I suspect that any banks/lenders will be making sure they’ve purged their records in line with their retention policy.