Same issue with the TZ200. I have been updating FW on digital cameras (mostly Leica) for 25 years with no problems but this one is. I have FW 1.0 in the camera but when I try to update to FW1.2, the camera says FW up to date. Panasonic UK no help. They just repeat what is on the instructions and when I tell them that does not work, they tell me I must be doing it wrong. I am using an in camera formatted Lexar Pro 64GB UHS II card, so nothing wrong with it and the .bin (decompressed) file has copied to the root directory of the card. I think there may be some error in their procedure.