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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 089/2017 Bank of Valletta plc Upheld by Arbiter 12/09/2018 139/2018
ASF 074/2017 Bank of Valletta plc Upheld by Arbiter 12/09/2018 140/2018
ASF 013/2017 Bank of Valletta plc Upheld by Arbiter 12/09/2018 131/2018
ASF 012/2017 Bank of Valletta plc Upheld by Arbiter 12/09/2018 115/2018
ASF 008/2018 Bank of Valletta plc Upheld by Arbiter 12/09/2018 146/2018
ASF 004/2017 Bank of Valletta plc Upheld by Arbiter 12/09/2018 133/2018
ASF 479/2016 BOV Asset Management Limited(formerly Valletta Fund Management Limited) Upheld by Arbiter 12/09/2018 141/2018
ASF 479/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 141/2018
ASF 477/2016 BOV Asset Management Limited(formerly Valletta Fund Management Limited) Upheld by Arbiter 12/09/2018 142/2018
ASF 477/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 142/2018
ASF 470/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 129/2018
ASF 423/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 132/2018
ASF 423/2016 BOV Asset Management Limited(formerly Valletta Fund Management Limited) Upheld by Arbiter 12/09/2018 132/2018
ASF 416/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 147/2018
ASF 402/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 123/2018
ASF 402/2016 BOV Asset Management Limited(formerly Valletta Fund Management Limited) Upheld by Arbiter 12/09/2018 123/2018
ASF 396/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 124/2018
ASF 375/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 127/2018
ASF 368/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 117/2018
ASF 367/2016 Bank of Valletta plc Upheld by Arbiter 12/09/2018 116/2018