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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 012/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 107/2018
ASF 010/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 112/2018
ASF 020/2016 BOV Asset Management Limited(formerly Valletta Fund Management Limited) Upheld by Arbiter 12/09/2018 125/2018
ASF 020/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 125/2018
ASF 072/2017 Bank of Valletta plc Upheld by Arbiter 12/09/2018 Not Appealed
ASF 072/2017 BOV Asset Management Limited(formerly Valletta Fund Management Limited) Upheld by Arbiter 12/09/2018 Not Appealed
ASF 406/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 Not Appealed
ASF 143/2017 Northway Financial Corporation Limited Not Upheld 26/06/2018 Not Appealed
ASF 150/2017 Mapfre Middlesea plc Not Upheld 12/06/2018 Not Appealed
ASF 448/2016 GlobalCapital Financial Management Limited Upheld by Arbiter 12/06/2018 82/2018
ASF 386/2016 GlobalCapital Financial Management Limited Upheld by Arbiter 12/06/2018 Not Appealed
ASF 380/2016 GlobalCapital Financial Management Limited Upheld by Arbiter 14/05/2018 59/2019
ASF 031/2017 Atlas Insurance PCC Limited Not Upheld 09/05/2018 Not Appealed
ASF 488/2016 GlobalCapital Financial Management Limited Upheld by Arbiter 09/05/2018 66/2018
ASF 463/2016 All Invest Company Limited Upheld by Arbiter 09/05/2018 Not Appealed
ASF 029/2017 Corporate & Commercial FX Services Limited Not Upheld 16/04/2018 Not Appealed
ASF 169/2017 HSBC Bank Malta plc Not Upheld 16/04/2018 44/2018
ASF 493/2016 Zenith Finance Limited(formerly MFSP Financial Management Limited) Upheld by Arbiter 10/04/2018 Not Appealed
ASF 494/2016 Zenith Finance Limited(formerly MFSP Financial Management Limited) Upheld by Arbiter 10/04/2018 Not Appealed
ASF 400/2016 Crystal Finance Investments Limited Not Upheld 28/03/2018 36/2018