Zack Ward in the 'zack ward christmas story' is probably the main character. He might be an actor, or just an ordinary person whose Christmas story is being told. Maybe he's known for his kindness during Christmas, or for some event that happened to him during the holiday season that makes his story interesting enough to be told.
In a fanfiction, it could be set in a school where Cody and Zack are the new students. The person who loves them might be a classmate. This classmate helps them adjust to the new school environment, introduces them to other friends, and they all form a study group. The 'I love you' could be an expression of how much the classmate values their presence in the school, bringing new energy and fun to an otherwise dull academic routine.
One character could be his best friend. His best friend might have given Zack advice and support, which influenced Zack's decisions. Another could be a mentor figure, like a teacher or an older neighbor. They could have guided Zack in important matters.
You can start by looking on popular fanfiction websites like Archive of Our Own (AO3). It has a large collection of fanfictions from various fandoms, and there's a good chance you'll find some great Zack Addy OC fanfiction there. Just use the search function and type in relevant keywords like 'Zack Addy' and 'OC' to narrow down your search.
You can try fanfiction.net. It has a large collection of fanfictions including ones about Zack x Rachel. Just use the search bar and type in 'Zack x Rachel' and you'll get a list of relevant stories.
You can start by looking on fanfiction.net. It has a large collection of fanfictions, including many about Zack and Cloud. There are different categories and ratings so you can find the ones that suit your taste.
Another place to look is FanFiction.net. There are many writers who post their works there. Just use the search function and type in 'Zack and Bailey' to see what comes up. However, the quality may vary, so you might need to sift through a bit.
A fanfiction could start with Cody and Zack getting lost in a big city. They meet a kind stranger who offers to help them find their way back. As they spend time together, the stranger starts to really like their company. By the end, the stranger says 'I love you' as a way of saying they'll always remember this adventure with them. It's a simple story of unexpected friendship.