If someone has removed the screw plug on the top of the transmission under the mistaken belief that this was a fill port for ATF, then this would release one of the bands and one of the gears would be lost (3rd gear, I think). If this is the case, there is a procedure for recovering the band without opening up the transmission.
ATF is added down the transmission dipstick tube.
However, I don't know how to tell if a missing 3rd gear would be due to that. If you do remove the plug on top to see what the situation is, then the band would be released. But if the 3rd gear has ever worked after a point in time from which you know that the plug had not been removed, then I don't think that would be the cause.
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2004 V70 2.4 petrol 170 5-spd auto (lost 2016 June, collision with deer)
2007 XC90 FWD 3.2 petrol 6-spd auto
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