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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 039/2022 TMF International Pensions Limited Not Upheld 18/08/2023 Not Appealed
ASF 006/2022 Sovereign Pension Services Limited Not Upheld 18/08/2023 Not Appealed
ASF 037/2022 The MCT Malta Private Retirement Scheme,
MC Trustees (Malta) Ltd
Not Upheld 18/08/2023 Not Appealed
ASF 011/2022 TMF International Pensions Limited Not Upheld 18/08/2023 Not Appealed
ASF 133/2022 Mapfre MSV Life plc Partially Upheld by Arbiter 18/08/2023 Not Appealed
ASF 118/2022 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 10/08/2023 Not Appealed
ASF 010/2022 STM Malta Pension Services Limited (formerly STM Malta Trust and Company Management Limited) Partially Upheld by Arbiter 10/08/2023 Not Appealed
ASF 008/2023 Momentum Pensions Malta Limited Not Upheld 10/08/2023 Not Appealed
ASF 134/2022 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 10/08/2023 Not Appealed
ASF 055/2023 Momentum Pensions Malta Limited Not Upheld 10/08/2023 Not Appealed
ASF 009/2023 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 10/08/2023 Not Appealed
ASF 001/2023 Mapfre MSV Life plc Partially Upheld by Arbiter 10/08/2023 Not Appealed
ASF 144/2022 LifeStar Insurance P.l.c. (formerly GlobalCapital Life Insurance Ltd) Not Upheld 27/07/2023 Not Appealed
ASF 132/2022 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 27/07/2023 Not Appealed
ASF 084/2021 Momentum Pensions Malta Limited Not Upheld 27/07/2023 Not Appealed
ASF 007/2023 APS Bank plc Not Upheld 27/07/2023 Not Appealed
ASF 111/2022 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 27/07/2023 Not Appealed
ASF 018/2023 APS Bank plc Not Upheld 21/07/2023 Not Appealed
ASF 042/2022 MPM Capital Investments Ltd Not Upheld 21/07/2023 Not Appealed
ASF 146/2022 Mapfre MSV Life plc Not Upheld 21/07/2023 Not Appealed