Skip to main content
Sorla

How it works

How Sorla checks your lending

The same evidence-led check, in more detail: how we read your history, score the case, and put it in front of a legal team only when your own records support it.

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.

What makes a complaint

The rules are already on your side

An overdraft is meant to be a short-term safety net. The FCA expects a lender to step in and help when it can see you are stuck in one, not to keep charging you for years. Where a lender did not, the Financial Ombudsman Service can put it right, for free.

The rule
Lenders must treat persistent or unaffordable borrowing fairly, and act when it is clear you are struggling.
The reality
For many people the help never came. The interest and charges simply kept running, month after month.
The backstop
If a lender says no unfairly, the Financial Ombudsman Service reviews it independently, and it costs you nothing.

Worked figures are illustrative. Real cases turn on your own transaction history.

Before you worry

What complaining does, and does not, do

Myth

“They will close my account for complaining.”

Reality

Complaining is a regulatory right. A lender is not allowed to close your account or withdraw products just because you raised a complaint.

Myth

“They will take my overdraft away.”

Reality

If you win, the unaffordable lending is put right, which can mean the overdraft is reduced. That is the problem being fixed, not a punishment, and the terms can be negotiated.

Myth

“A complaint leaves a black mark on my credit file.”

Reality

Asking for a refund is private and not visible to other lenders. Where irresponsible lending is proven, negative markers can sometimes be removed.

Good to know

A few things worth checking

How do you find the evidence safely?
Through Open Banking. You sign in with your bank, the connection is read-only, we never see your login details, and access switches off after 90 days. We can see transactions, never move money.
What if I have closed the account or moved bank?
We can read accounts you can still sign in to. If an account is closed and access has been handed back, the data is no longer reachable, so connect the accounts you can still log in to.
Can I check if I am in a DRO, IVA or bankruptcy?
Take care here. A refund can count as a windfall and may be claimed by the Official Receiver, and receiving it could affect your arrangement. It is worth getting free debt advice before you start.

You never need a company like Sorla

  • You can complain directly to your lender for free, with no company required.
  • You can take a complaint to the Financial Ombudsman Service for free.
  • We restate both routes, in plain words, before you sign anything.

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