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Sorla

Evidence-led overdraft check

Check your overdraft history for real evidence

Review up to 6 years of available bank history through a read-only bank connection. See the evidence. Your free complaint routes remain open.

Start the checkSee how it works

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.

What the check is for

  • Persistent use

    Long periods in overdraft rather than short-term borrowing.

  • Charges and interest

    Repeated fees that may show the lender kept profiting from difficulty.

  • Free alternatives

    Direct complaint and ombudsman routes remain available even if Sorla does not proceed.

Glass bank towers in the City of London financial district
Lending decisions sit inside large financial systems. The check stays focused on what your own account history can evidence.

Four careful steps, in plain sight

No guesswork, no speculative claims. The check is built around what your own transaction history shows about your overdraft use and charges.

  1. 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.

  2. 02

    Evidence is read from the history

    Transaction intelligence checks for repeat overdraft use, charges, and signs the borrowing was hard to afford. Where the evidence is not enough, it says so honestly.

  3. 03

    You see what the data supports

    If the evidence is strong enough, you see the range, the evidence summary and the free alternatives before anything is submitted.

  4. 04

    You choose whether to submit

    Submission is your choice. If you go ahead, the legal team reviews the case independently and you receive a server-issued reference and current status.

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.

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 may be the right choice. The evidence summary keeps that free route visible.

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.

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.

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.

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.

Start the check