ZILCH TECHNOLOGY LIMITED: Ombudsman complaint record
76 published Financial Ombudsman decisions. 53% of them went the complainant's way.
At a glance
| Decisions published | 76 |
|---|---|
| Upheld | 36 |
| Partially upheld | 8 |
| Not upheld | 32 |
| Uphold rate | 53% |
| Last 30 days | 6 |
| Last 12 months | 59 |
| First decision | 2022-10-27T00:00:00+00:00 |
| Most recent | 2026-06-08T00:00:00+00:00 |
Most common claim types
| # | Name | Complaints | Upheld | Partially upheld | Not upheld | Uphold rate |
|---|---|---|---|---|---|---|
| 1 | Service failures generally | 13 | 8 | 2 | 3 | 69% |
| 2 | Card / payment disputes | 12 | 5 | 0 | 7 | 42% |
| 3 | Account administration errors | 7 | 5 | 0 | 2 | 71% |
| 4 | Credit file / adverse marker disputes | 7 | 5 | 0 | 2 | 71% |
| 5 | Irresponsible lending | 7 | 1 | 0 | 6 | 14% |
| 6 | Fraud reimbursement (APP scams) | 5 | 1 | 0 | 4 | 20% |
| 7 | Account closure without notice | 4 | 2 | 0 | 2 | 50% |
| 8 | Complaints handling failures | 2 | 1 | 0 | 1 | 50% |
| 9 | Debt collection practices | 1 | 0 | 1 | 0 | 50% |
Products complained about
| # | Name | Complaints | Upheld | Partially upheld | Not upheld | Uphold rate |
|---|---|---|---|---|---|---|
| 1 | Buy-now-pay-later | 37 | 22 | 3 | 12 | 64% |
| 2 | Credit card | 14 | 6 | 0 | 8 | 43% |
| 3 | Other regulated product | 9 | 1 | 0 | 8 | 11% |
| 4 | Current account | 1 | 0 | 0 | 1 | 0% |
Recent decisions
| Reference | Date | Firm | Product | Outcome |
|---|---|---|---|---|
| DRN-6366749 | 2026-06-08T00:00:00+00:00 | ZILCH TECHNOLOGY LIMITED | buy now pay later / payment plan | Upheld |
| DRN-6274884 | 2026-06-02T00:00:00+00:00 | ZILCH TECHNOLOGY LIMITED | fintech app / payment service | Upheld |
| DRN-6382751 | 2026-05-27T00:00:00+00:00 | ZILCH TECHNOLOGY LIMITED | Buy now pay later / Payment services | Upheld |
| DRN-6259890 | 2026-05-26T00:00:00+00:00 | Zilch Technology Limited | buy now pay later / credit | Upheld |
| DRN-6238607 | 2026-05-20T00:00:00+00:00 | Zilch Technology Limited | buy now pay later / credit | Upheld |
| DRN-6292205 | 2026-05-18T00:00:00+00:00 | Zilch Technology Limited | running credit account | Upheld |
| DRN-6347620 | 2026-05-14T00:00:00+00:00 | Zilch Technology Limited | credit agreement | Partially upheld |
| DRN-6283742 | 2026-05-06T00:00:00+00:00 | Zilch Technology Limited | payment account / prepaid card | Partially upheld |