Check if your lenders owe you money
If a lender let you borrow more than you could afford, the rules say they should have stepped in, not just profited. Sorla reads your own bank records for the proof, then prepares your claim, sends it to the lender, and manages it through to a conclusion.
- Read-only bank check
- No win, no fee
- Takes a few minutes
Why this exists
Lending you can’t afford is the lender’s problem, not just yours
Lenders are meant to lend responsibly, and to step in when they can see you are struggling. For a lot of people, that help never came, and the charges kept adding up. Overdrafts are the clearest example: a short-term safety net that, for many, quietly became a long-term trap.
- The rules ask lenders to act when borrowing looks persistent or unaffordable.
- Many people paid years of interest and charges they should never have faced.
- Where your own transactions show it, you may be owed that money back.
You would not be the only one
Unaffordable lending is common, and it is exactly what the affordability rules were written to catch. Overdrafts are where it shows up most.
- Millions
- of UK borrowers were left in lending they could not comfortably afford.
- Years
- is how long the interest and charges often ran, not weeks.
- Free
- to check your own history, with no obligation to go any further.
Four careful steps, in plain sight
No guesswork, no speculative claims. The check is built around what your own transaction history shows about the lenders you have dealt with.
- 01
Connect your bank, read-only
You sign in with your bank, never with us. Sorla can see transactions, but can never move money. You can revoke access at any time.
- 02
Evidence is read from the history
Transaction intelligence looks across your lenders for unaffordable lending, repeated charges, and signs the borrowing was hard to afford, starting with overdrafts. Where the evidence is not enough, it says so honestly.
- 03
A legal team reviews the case
Cases with enough evidence are prepared for review by the legal team, who decide whether a complaint should proceed.
- 04
You track everything here
Your case, its evidence and every change of status stay visible in your dashboard, including the option to step away.
Evidence intelligence
Built on what the records show
Sorla’s analysis is decision support, not a verdict. It reads the transaction record for the patterns that matter to an unaffordable-lending complaint, shows its working factor by factor, and turns the same evidence into an estimate of what you could be owed. A range, never a promise.
Case strength
84/100
A strong case, scored only from what your own transactions show.
Evidence factors
Case strength 84/100 · strong
- Lender relationship evidence+35
- Repeat and persistent borrowing+16
- Financial difficulty indicators+15
- Interest and charges identified+10
- Data completeness+8
Every score is explainable, and weak cases are not taken forward.
A clearer choice
Two honest options, and we tell you which fits
You never have to use a company like Sorla. For straightforward cases, doing it yourself and keeping every penny is the right call, and we will say so.
Do it yourself
Complain to the lender, and to the Financial Ombudsman Service, for free. Best when the case is simple and the evidence is easy to gather.
Always free.
Let Sorla do the work
For the harder cases, where the proof is buried across years of statements and several lenders, we read the history, build the evidence, and a legal team takes it on. You pay nothing unless the claim succeeds.
Nothing upfront.
Case file · Northbridge Bank
Pending legal review- Authority signed
- Legal review
- Submitted to lender
- Lender response
Never left in the dark
The moment your case moves, you’ll see it. Every stage stays visible in one place, the instant it changes: authority signed, legal review, submitted to the lender, their response. A legal team reviews the case and they decide whether a complaint should proceed. You never have to chase for an update.
The kind of evidence that proceeds
Illustrative examples, built on synthetic data. They show the patterns Sorla looks for across your lenders, not real customers or outcomes. Overdrafts are the clearest case.
61 of 65 months spent in an overdraft, with charges almost every month.
A clear, sustained pattern. The sort of case a legal team would review.
23 months in a row deep in an overdraft, well past any short-term need.
Persistent use of the kind the affordability rules were written to catch.
Interest and charges to a lender repeating across several years of statements.
Hard figures, taken straight from the records rather than memory.
Your data, on your terms
Read-only by design
A bank connection can show Sorla transactions. It can never move money or change anything in your account.
Revocable at any time
One tap revokes access. You can also ask us to delete what we analysed.
Evidence before claims
Nothing is claimed speculatively. A case only proceeds when your own history supports it.
Nothing to pay upfront
There is no upfront cost. Fee terms are shown clearly before you sign anything.
Bank connection
Northbridge Bank · Current account
Active · read-onlyYou can ask us to delete what we analysed at any time.
This is a demonstration build running entirely on synthetic data. No live bank connection, payment, or production system exists yet.
Nothing to pay unless the claim succeeds
The check is free. If you choose to go ahead and the claim succeeds, a fee is taken from the money recovered, and is never billed to you upfront. The exact terms are shown clearly before you sign anything. If the claim does not succeed, there is nothing to pay.
- Free to check, with no obligation to continue.
- A fee only on a successful claim, taken from the compensation.
- Full terms shown before you sign. Nothing hidden.
Your legal partner
Sorla finds the evidence. A regulated law firm acts on it.
Sorla is the service you use to check your history and build the case. Rowan Hale Legal is the regulated law firm that takes it on and challenges the lender, so you will see their name on the official paperwork.
Rowan Hale Legal is regulated by the Solicitors Regulation Authority under SRA Number XXXX.
Asked, answered honestly
No. You can complain directly to your lender for free, and you can take a complaint to the Financial Ombudsman Service for free. We set that out again, in plain words, before you sign anything.
Your transaction history across the lenders you have dealt with: unaffordable lending, interest and charges, and signs the borrowing was difficult to afford, starting with overdrafts. The check is evidence-led. It does not rely on what anyone hopes happened.
Your dashboard shows every change the moment it happens: submitted, lender response, the next step. You can always see where things stand, without emailing us or waiting to be chased.
We tell you directly, explain where you stand, and point you to the free routes. We won’t take a weak case forward, because that wastes your time and undermines strong ones.
No. You sign in with your bank, not with us, and the connection is read-only. We never see your credentials and we can never move money.
Nothing upfront. A fee applies only if a claim succeeds, taken from the compensation, and the exact terms are shown before you sign.
See what your history shows
A careful, read-only check of your lending history. Nothing upfront, and an honest answer either way.