If you have a complaints about the way we have introduced you to Zilch, Zilch itself or any associated Zilch credit products, you can send it to us by using the same contact form referred to above.

Depending on the nature of your complaint, we may pass it on Zilch, who will be best placed to address complaints concerning the Zilch Credit Product directly.

If you aren't satisfied with the way we handle your complaint, you may have the right to refer it to the Financial Ombudsman Service (FOS) which can be contacted at: Financial Ombudsman Service, Exchange Tower, London E14 9SR. You can also call the FOS on 0800 023 4567 (if calling from outside the UK, +44 20 7964 0500) or email them at complaint.info@financial-ombudsman.org.uk. More information about the FOS is available at www.financial-ombudsman.org.uk.