Biex issib dak li trid malajr, agħżel minn dan li ġej:

Id-Deċiżjonijiet tal-Arbitru

Tista' tfittex fid-deċiżjonijiet li ttieħdu mill-Arbitru għas-Servizzi Finanzjarji u sentenzi maħruġa mill-Qorti tal-Appelli Ċivili (Inferjuri) għal dawk id-deċiżjonijiet li ġew appellati.

Tista' tirfina t-tfittxija tiegħek billi tagħzel bejn l-isem tal-provditur tas-servizz finanzjarju, il-lingwa tad-deċiżjoni, is-sena tad-deċiżjoni, id-data tad-deċiżjoni minn/għal, is-settur, ir-riżultat tad-deċiżjoni, u jekk id-deċiżjoni ġietx appellata jew le. Jekk tagħżel skont is-settur (eż. 'Banking'), tista' tiffiltra l-għażla tiegħek billi tagħżel 'Issue' (eż. 'Charges') u/jew 'Product' (eż. 'Cards'). Agħżel mid-'drop down filters' fuq in-naħa tax-xellug.

Il-ġabra tad-deċiżjonijiet tiġi aġġornata minn żmien għal żmien. F'konformità mal-politika tal-OAFS, fir-rigward ta' dawn id-deċiżjonijiet, minflok l-ismijiet tal-ilmentaturi jintużaw psewdonimi (l-ismijiet propja jinbidlu b'referenza alfabetika li ma jkollhiex x'taqsam mal-ismijiet vera).

Il-mandat tal-Arbitru għas-Servizzi Finanzjarji hu li jinvestiga u jiġġudika l-ilmenti ppreżentati minn ilmentaturi eliġibbli (individwi u intrapriżi żgħar) fuq provdituri tas-servizzi finanzjarji liċenzjati jew awtorizzati mir-regolatur Malti tas-servizzi finanzjarji. Meta każ jiġi referut lill-Arbitru u tinħareġ deċiżjoni, din tkun torbot liż-żewġ partijiet.

Kull parti tista' titlob lill-Arbitru jikkjarifika jew jikkoreġi kwalunkwe żball fil-komputazzjoni, klerikali, tipografiku, jew nuqqasijiet simili f'temp ta' 15-il jum minn meta tkun ittieħdet id-deċiżjoni. Id-deċiżjonijiet jistgħu jintlaqgħu b'mod sħiħ (Upheld by the Arbiter), b'mod parzjali (Partially Upheld by the Arbiter), jew jiġu rrifjutati (Not upheld), u jistgħu jiġu appellati minn kwalunkwe parti.

Għar-rigward ta' sentenzital-Qorti tal-Appelli Ċivili (Inferjuri), aħna nirreferu għall-websajt tal-eCourts tal-Aġenzija dwar is-Servizzi tal-Qrati (https://ecourts.gov.mt/onlineservices/) għan-numri ta' riferenza u s-sentenzi tal-każijiet appellati.Tagħrif dwar deċiżjonijiet appellati li jidher fuq is-sit tagħna jiġi aġġornata perjodikament. Madankollu, dan it-tagħrif għandu dejjem jiġi ċċekkjat mal-websajt tal-eCourtsperess li ma nagħmlu l-ebda rappreżentazzjoni jew nagħtu garanzija ta' kwalunkwe tip, espressa jew impliċita, tal-kompletezza, l-eżattezza jew l-affidabbiltà tiegħu.

Jekk jogħġbok agħmel kuntatt magħna hawnhekk jekk tiltaqa' ma' xi link li ma taħdimx jew xi tagħrif ieħor inkorrett. Grazzi.

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Rif. tal-każ tal-ASF:
ASF 128/2023
Sector:
Investments
Language:
English
Financial Services Provider:
Calamatta Cuschieri Investment Services Limited,
Crystal Finance Investments Limited
Category Issue:
Misselling / Suitability
Product/Service:
Portfolio Management
Data tad-deċiżjoni tal-Arbitru:
07/02/2024
Eżitu:
Not Upheld
Reason:
Legal point (time-barred)
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 093/2022
Sector:
Investments
Language:
English
Financial Services Provider:
Momentum Pensions Malta Limited
Category Issue:
Administration/Management/Custody
Product/Service:
Pensions-related
Data tad-deċiżjoni tal-Arbitru:
31/01/2024
Eżitu:
Partially Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 114/2022
Sector:
Insurance
Language:
English
Financial Services Provider:
MIB Insurance Agency Limited
Category Issue:
Rejection of claim
Product/Service:
Home (Building & Contents)-related
Data tad-deċiżjoni tal-Arbitru:
31/01/2024
Eżitu:
Not Upheld
Reason:
Merit (Case not proven)
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 150/2023
Sector:
Banking / Financial Institutions
Language:
English
Financial Services Provider:
Bank of Valletta plc
Category Issue:
Mistake / Incorrect application
Product/Service:
Personal Loans
Data tad-deċiżjoni tal-Arbitru:
22/01/2024
Eżitu:
Not Upheld
Reason:
Merit (Case not proven)
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 049/2023
Sector:
Insurance
Language:
Maltese
Financial Services Provider:
Mapfre MSV Life plc
Category Issue:
Value at maturity
Product/Service:
Life-related
Data tad-deċiżjoni tal-Arbitru:
22/01/2024
Eżitu:
Partially Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 050/2023
Sector:
Insurance
Language:
Maltese
Financial Services Provider:
Mapfre MSV Life plc
Category Issue:
Loss of earnings
Product/Service:
Life-related
Data tad-deċiżjoni tal-Arbitru:
22/01/2024
Eżitu:
Partially Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 085/2022
Sector:
Investments
Language:
English
Financial Services Provider:
Momentum Pensions Malta Limited
Category Issue:
Administration/Management/Custody
Product/Service:
Pensions-related
Data tad-deċiżjoni tal-Arbitru:
22/01/2024
Eżitu:
Partially Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
9/2024
Rif. tal-każ tal-ASF:
ASF 184/2023
Sector:
Insurance
Language:
Maltese
Financial Services Provider:
GasanMamo Insurance Limited
Category Issue:
Rejection of claim
Product/Service:
Travel-related
Data tad-deċiżjoni tal-Arbitru:
15/01/2024
Eżitu:
Not Upheld
Reason:
Merit (Case not proven)
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 086/2023
Sector:
Investments
Language:
English
Financial Services Provider:
Calamatta Cuschieri Investment Services Limited
Category Issue:
Mistake / Incorrect application
Product/Service:
Miscellaneous (securities and funds)
Data tad-deċiżjoni tal-Arbitru:
05/01/2024
Eżitu:
Not Upheld
Reason:
Merit (Case not proven)
Rif. tal-Qorti tal-Appell:
6/2024
Rif. tal-każ tal-ASF:
ASF 067/2023
Sector:
Banking / Financial Institutions
Language:
Maltese
Financial Services Provider:
HSBC Bank Malta plc
Category Issue:
Refusal to give information
Product/Service:
Savings/Current/Term Account
Data tad-deċiżjoni tal-Arbitru:
05/01/2024
Eżitu:
Not Upheld
Reason:
Outside Arbiter’s competence
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 026/2023
Sector:
Investments
Language:
Maltese
Financial Services Provider:
Zenith Finance Limited(formerly MFSP Financial Management Limited)
Category Issue:
Refusal to give information
Product/Service:
Miscellaneous (securities and funds)
Data tad-deċiżjoni tal-Arbitru:
29/12/2023
Eżitu:
Not Upheld
Reason:
Merit (Case not proven)
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 034/2023
Sector:
Insurance
Language:
Maltese
Financial Services Provider:
Mapfre MSV Life plc
Category Issue:
Value at maturity
Product/Service:
Life-related
Data tad-deċiżjoni tal-Arbitru:
29/12/2023
Eżitu:
Partially Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 048/2022
Sector:
Investments
Language:
English
Financial Services Provider:
Zillion Bits Ltd
Category Issue:
Administration/Management/Custody
Product/Service:
Crypto / Virtual Financial Assets
Data tad-deċiżjoni tal-Arbitru:
21/12/2023
Eżitu:
Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 054/2022
Sector:
Investments
Language:
English
Financial Services Provider:
Momentum Pensions Malta Limited
Category Issue:
Administration/Management/Custody
Product/Service:
Pensions-related
Data tad-deċiżjoni tal-Arbitru:
21/12/2023
Eżitu:
Partially Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 074/2023
Sector:
Insurance
Language:
English
Financial Services Provider:
Mapfre MSV Life plc
Category Issue:
Value at maturity
Product/Service:
Life-related
Data tad-deċiżjoni tal-Arbitru:
21/12/2023
Eżitu:
Partially Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 116/2023
Sector:
Banking / Financial Institutions
Language:
English
Financial Services Provider:
APS Bank plc
Category Issue:
Suspected irregular activity
Product/Service:
Savings/Current/Term Account
Data tad-deċiżjoni tal-Arbitru:
21/12/2023
Eżitu:
Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
4/2024
Rif. tal-każ tal-ASF:
ASF 013/2022
Sector:
Investments
Language:
English
Financial Services Provider:
Momentum Pensions Malta Limited
Category Issue:
Administration/Management/Custody
Product/Service:
Pensions-related
Data tad-deċiżjoni tal-Arbitru:
12/12/2023
Eżitu:
Not Upheld
Reason:
Frivolous
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 137/2022
Sector:
Investments
Language:
English
Financial Services Provider:
Foris Dax MT Limited (formerly MCO Malta Dax Limited )
Category Issue:
Administration/Management/Custody
Product/Service:
Crypto / Virtual Financial Assets
Data tad-deċiżjoni tal-Arbitru:
12/12/2023
Eżitu:
Not Upheld
Reason:
Merit (Case not proven)
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 069/2023
Sector:
Investments
Language:
Maltese
Financial Services Provider:
Crystal Finance Investments Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Data tad-deċiżjoni tal-Arbitru:
05/12/2023
Eżitu:
Not Upheld
Reason:
Legal point (time-barred)
Rif. tal-Qorti tal-Appell:
Not Appealed
Rif. tal-każ tal-ASF:
ASF 081/2023
Sector:
Banking / Financial Institutions
Language:
Maltese
Financial Services Provider:
APS Bank plc
Category Issue:
Suspected irregular activity
Product/Service:
Savings/Current/Term Account
Data tad-deċiżjoni tal-Arbitru:
29/11/2023
Eżitu:
Partially Upheld by Arbiter
Reason:
N/A
Rif. tal-Qorti tal-Appell:
Not Appealed