ZILCH TECHNOLOGY LIMITED

Financial Ombudsman decision DRN-6216329 Upheld

Upheldoutcome, as published by the Ombudsman

£350redress stated in the decision

Wed Apr 08deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Credit file reporting, Identity checks and access

In the Ombudsman’s words

ensure there is no adverse credit reporting in respect of the amounts outstanding on Account A from 23 May 2025 onward, and remove any credit searches in respect of the application for Account B.Credit file reporting

Mr V complains that ZILCH TECHNOLOGY LIMITED (‘Z’) didn’t adequately help when he couldn’t access his account.Identity checks and access

Rules cited

FCA CONC (Consumer Credit sourcebook), FCA Consumer Duty (PRIN 2A)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6216329.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.