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Arbiter's Decisions

You can search for decisions delivered by the Arbiter for Financial Services and judgements delivered by the Court of Appeal (Civil, Inferior) for those decisions that have been appealed.

You may refine your search as wanted by the name of the financial services provider, the language of the decision, the decision year, decision date from/to, the sector, decision outcome, and whether the decision has been appealed or not. If you select by sector (e.g. 'Banking'), you may filter down your choice by selecting issue (e.g. 'Charges') and/or product (e.g. 'Cards'). Please browse the drop-down filters on the left-hand side.

The database of Arbiter's decisions is updated periodically. In accordance with the OAFS policy, complainants' names in such decisions are pseudonymised (the actual names are replaced by unrelated alphabetical references).

The remit of the Arbiter for Financial Services is to investigate and adjudicate complaints lodged by eligible complainants (individuals and micro-enterprises) against financial services providers who are licensed or authorised by the Maltese financial services regulator. When cases are referred to the Arbiter and a decision is issued, such a decision is binding on both parties.

Either party can request the Arbiter for clarification or correction to any computation, clerical, typographical, or similar errors within 15 days from the delivery of a decision. Decisions may be upheld in full, partially upheld, or rejected, and may be appealed by any of the parties.

As to the Court of Appeal (Civil, Inferior) judgements, we refer to the Court Services Agency's eCourts website (https://ecourts.gov.mt/onlineservices/) for the relevant case reference numbers and appeal judgements. Information about appealed decisions on our website is updated periodically. However, such information should always be cross-checked with the eCourts website as we make no representations or warranties of any kind, express or implied, as to its completeness, accuracy or reliability.

Please get in touch with us through our “Contact us” page if you come across any broken links or other incorrect information.Thank you.

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ASF case reference Financial Service Provider Outcome Date of Arbiter's Decision Appeal Court reference
ASF 022/2025 Mapfre MSV Life plc Partially Upheld by Arbiter 22/07/2025 Appeal Window
In progress
ASF 182/2024 Aventis Financial Planning Limited (formerly Lawsons Equity Limited) Partially Upheld by Arbiter 22/07/2025 Appeal Window
In progress
ASF 248/2024 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 22/07/2025 Appeal Window
In progress
ASF 060/2025 HSBC Bank Malta plc Not Upheld 18/07/2025 Appeal Window
In progress
ASF 103/2025 Calamatta Cuschieri Investment Services Limited Not Upheld 18/07/2025 Appeal Window
In progress
ASF 013/2025 Bank of Valletta plc Not Upheld 18/07/2025 Appeal Window
In progress
ASF 183/2024 Mapfre Middlesea plc Not Upheld 18/07/2025 Appeal Window
In progress
ASF 044/2025 Payhound Limited Not Upheld 30/06/2025 Not Appealed
ASF 034/2025 Manentia Wealth Consulting Group Limited Not Upheld 30/06/2025 Not Appealed
ASF 021/2025 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 20/06/2025 Not Appealed
ASF 019/2025 Mapfre MSV Life plc Partially Upheld by Arbiter 20/06/2025 Not Appealed
ASF 003/2025 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 12/06/2025 Not Appealed
ASF 210/2024 Papaya Ltd Not Upheld 12/06/2025 Not Appealed
ASF 225/2024 Papaya Ltd Upheld by Arbiter 12/06/2025 67/2025
In progress
ASF 167/2024 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 30/05/2025 Not Appealed
ASF 189/2024 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 30/05/2025 Not Appealed
ASF 015/2025 Bank of Valletta plc Not Upheld 30/05/2025 Not Appealed
ASF 194/2024 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 30/05/2025 Not Appealed
ASF 190/2024 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 30/05/2025 Not Appealed
ASF 175/2024 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 30/05/2025 Not Appealed