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Arbiter's Decisions

You can search for decisions delivered by the Arbiter for Financial Servicesand judgements delivered by the Court of Appeal (Civil, Inferior)for those decisionsthat have been appealed

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 ofthe 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 031/2017 Atlas Insurance PCC Limited Not Upheld 09/05/2018 Not Appealed
ASF 463/2016 All Invest Company Limited Upheld by Arbiter 09/05/2018 Not Appealed
ASF 169/2017 HSBC Bank Malta plc Not Upheld 16/04/2018 44/2018
ASF 029/2017 Corporate & Commercial FX Services Limited Not Upheld 16/04/2018 Not Appealed
ASF 494/2016 Zenith Finance Limited(formerly MFSP Financial Management Limited) Upheld by Arbiter 10/04/2018 Not Appealed
ASF 493/2016 Zenith Finance Limited(formerly MFSP Financial Management Limited) Upheld by Arbiter 10/04/2018 Not Appealed
ASF 010/2017 GlobalCapital Financial Management Limited Upheld by Arbiter 28/03/2018 38/2018
ASF 492/2016 Crystal Finance Investments Limited Partially Upheld by Arbiter 28/03/2018 58/2018
ASF 400/2016 Crystal Finance Investments Limited Not Upheld 28/03/2018 36/2018
ASF 009/2017 GlobalCapital Financial Management Limited Upheld by Arbiter 28/03/2018 37/2018
ASF 023/2017 Mapfre MSV Life Plc Upheld by Arbiter 28/03/2018 Not Appealed
ASF 439/2016 All Invest Company Limited Upheld by Arbiter 28/03/2018 Not Appealed
ASF 485/2016 Zenith Finance Limited(formerly MFSP Financial Management Limited) Upheld by Arbiter 13/03/2018 Not Appealed
ASF 019/2017 Mapfre MSV Life plc Partially Upheld by Arbiter 13/03/2018 34/2018
ASF 008/2017 Mapfre MSV Life plc Partially Upheld by Arbiter 13/03/2018 Not Appealed
ASF 491/2016 Zenith Finance Limited(formerly MFSP Financial Management Limited) Upheld by Arbiter 13/03/2018 Not Appealed
ASF 442/2016 All Invest Company Limited Upheld by Arbiter 13/03/2018 Not Appealed
ASF 028/2016 Bank of Valletta plc Upheld by Arbiter 23/02/2018 30/2018
ASF 028/2017 Bank of Valletta plc Not Upheld 06/02/2018 Not Appealed
ASF 441/2016 All Invest Company Limited Upheld by Arbiter 06/02/2018 Not Appealed