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ZILCH TECHNOLOGY LIMITED
Legal entity: ZILCH TECHNOLOGY LIMITED
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 11488502, incorporated July 2018
59banking decisions
44.1%uphold rate
33not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Credit file reporting | 14 | 11 | 78.6% |
| Card dispute or chargeback | 11 | 5 | 45.5% |
| Service failure | 11 | 10 | 90.9% |
| Irresponsible lending | 10 | 1 | 10.0% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FOS | 2025-H2 | 40.8% | — | — | 309 |
| FOS | 2025-H1 | 42.0% | — | — | 114 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.