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.
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.
Figures in this demonstration 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.
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.
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.
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.
See what your history shows
A careful, read-only check of your lending history. Nothing upfront, and an honest answer either way.