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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.

ASF case reference Financial Service Provider Outcome Date of Arbiter's Decision Appeal Court reference
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
ASF 136/2020 Mapfre MSV Life plc Partially Upheld by Arbiter 06/07/2021 Not Appealed
ASF 001/2020 Eagle Star (Malta) Limited Partially Upheld by Arbiter 06/07/2021 Not Appealed
ASF 048/2020 HSBC Bank Malta plc Not Upheld 06/07/2021 Not Appealed
ASF 012/2021 Building Block Insurance PCC Limited Not Upheld 03/05/2021 Not Appealed
ASF 102/2019 & ASF 103/2019 STM Malta Pension Services Limited(formerly STM Malta Trust and Company Management Limited) Not Upheld 01/06/2021 Not Appealed
ASF 123/2020 Mapfre MSV Life plc Partially Upheld by Arbiter 01/06/2021 Not Appealed
ASF 056/2020 APS Bank plc Partially Upheld by Arbiter 01/06/2021 Not Appealed
ASF 101/2019 Momentum Pensions Malta Limited Not Upheld 01/06/2021 Not Appealed
ASF 083/2019 Momentum Pensions Malta Limited Partially Upheld by Arbiter 03/05/2021 055/2021
In progress
ASF 082/2019 STM Malta Pension Services Limited(formerly STM Malta Trust and Company Management Limited) Partially Upheld by Arbiter 03/05/2021 056/2021
In progress
ASF 067/2020 Mapfre MSV Life plc Partially Upheld by Arbiter 03/05/2021 067/2021
In progress
ASF 089/2019 Momentum Pensions Malta Limited Not Upheld 03/05/2021 Not Appealed
ASF 078/2020 Laferla Insurance Agency Limited Not Upheld 03/05/2021 Not Appealed
ASF 090/2020 Building Block Insurance PCC Limited Upheld by Arbiter 03/05/2021 Not Appealed
ASF 068/2020 Mapfre MSV Life plc Partially Upheld by Arbiter 03/05/2021 Not Appealed
ASF 103/2020 Atlas Insurance PCC Limited Upheld by Arbiter 06/04/2021 Not Appealed
ASF 144/2020 Building Block Insurance PCC Limited Partially Upheld by Arbiter 06/04/2021 Not Appealed