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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 102/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 095/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 093/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 092/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 091/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 094/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 045/2020
ASF 055/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 044/2020
ASF 047/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 043/2020
ASF 035/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 041/2020
ASF 033/2018 Momentum Pensions Malta Limited Not Upheld 28/07/2020 038/2020
ASF 090/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 081/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 080/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 072/2019 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 072/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 070/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 068/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 052/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 050/2019 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 39/2020
ASF 164/2018 Momentum Pensions Malta Limited Partially Upheld by Arbiter 28/07/2020 047/2020