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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 008/2021 Mapfre MSV Life plc Partially Upheld by Arbiter 19/10/2021 Not Appealed
ASF 005/2021 Mapfre MSV Life plc Partially Upheld by Arbiter 19/10/2021 Not Appealed
ASF 120/2020 Island Insurance Brokers Limited,
Mapfre MSV Life Plc
Not Upheld 19/10/2021 Not Appealed
ASF 130/2020 Mapfre MSV Life plc Partially Upheld by Arbiter 19/10/2021 Not Appealed
ASF 138/2020 Bank of Valletta plc Upheld by Arbiter 19/10/2021 Not Appealed
ASF 074/2020 Momentum Pensions Malta Limited Partially Upheld by Arbiter 19/10/2021 124/2021
In progress
ASF 026/2020 Momentum Pensions Malta Limited Partially Upheld by Arbiter 19/10/2021 123/2021
In progress
ASF 057/2021 Building Block Insurance PCC Limited Upheld by Arbiter 13/09/2021 Not Appealed
ASF 039/2021 Building Block Insurance PCC Limited Upheld by Arbiter 13/09/2021 Not Appealed
ASF 114/2020 Elmo Insurance Limited Partially Upheld by Arbiter 13/09/2021 Not Appealed
ASF 107/2020 Atlas Insurance PCC Limited Upheld by Arbiter 13/09/2021 Not Appealed
ASF 088/2020 Mapfre MSV Life plc Partially Upheld by Arbiter 13/09/2021 Not Appealed
ASF 070/2020 Truevo Payments Ltd Not Upheld 13/09/2021 Not Appealed
ASF 058/2019 HSBC Bank Malta plc Not Upheld 13/09/2021 Not Appealed
ASF 025/2020 HSBC Bank plc Not Upheld 13/09/2021 Not Appealed
ASF 004/2020 Mapfre MSV Life Plc Upheld by Arbiter 13/09/2021 102/2021
In progress
ASF 091/2020 HSBC Bank Malta plc Not Upheld 13/09/2021 099/2021
In progress
ASF 084/2019 Integrated-Capabilities (Malta) Limited Not Upheld 06/07/2021 77/2021
In progress
ASF 107/2019 Integrated-Capabilities (Malta) Limited Not Upheld 06/07/2021 76/2021
In progress
ASF 069/2020 Citadel Insurance plc Upheld by Arbiter 06/07/2021 Not Appealed