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.
ASF case reference | Financial Service Provider | Outcome | Date of Arbiter's Decision | Appeal Court reference |
---|---|---|---|---|
ASF 084/2024 | Bank of Valletta plc | Not Upheld | 18/10/2024 | Not Appealed |
ASF 135/2024 | Openpayd Financial Services Malta Limited | Not Upheld | 15/10/2024 | Not Appealed |
ASF 078/2023 | Integrated-Capabilities (Malta) Limited, Optimus Fiduciaries (Malta) Ltd. |
Not Upheld | 11/10/2024 | Not Appealed |
ASF 077/2024 | Foris Dax MT Limited (formerly MCO Malta Dax Limited ) | Not Upheld | 11/10/2024 | Not Appealed |
ASF 095/2024 | Atlas Insurance PCC Limited | Not Upheld | 04/10/2024 | Not Appealed |
ASF 134/2024 | HSBC Bank Malta plc | Upheld by Arbiter | 16/09/2024 | Not Appealed |
ASF 133/2024 | Finance Incorporated Limited | Not Upheld | 13/09/2024 | Not Appealed |
ASF 069/2024 | Foris Dax MT Limited (formerly MCO Malta Dax Limited ) | Not Upheld | 05/09/2024 | Not Appealed |
ASF 021/2024 | Building Block Insurance PCC Limited | Not Upheld | 23/08/2024 | Not Appealed |
ASF 059/2023 | Mapfre Middlesea plc | Not Upheld | 23/08/2024 | Not Appealed |
ASF 213/2023 | HSBC Life Assurance (Malta) Limited | Not Upheld | 23/08/2024 | Not Appealed |
ASF 188/2023 | Mapfre MSV Life plc | Partially Upheld by Arbiter | 23/08/2024 | Not Appealed |
ASF 112/2024 | Openpayd Financial Services Malta Limited | Not Upheld | 08/08/2024 | Not Appealed |
ASF 217/2023 | Mapfre MSV Life plc | Partially Upheld by Arbiter | 08/08/2024 | Not Appealed |
ASF 013/2024 | Mapfre MSV Life plc | Not Upheld | 08/08/2024 | Not Appealed |
ASF 039/2024 | Bank of Valletta plc | Partially Upheld by Arbiter | 02/08/2024 | Not Appealed |
ASF 011/2024 | Bank of Valletta plc | Partially Upheld by Arbiter | 31/07/2024 | Not Appealed |
ASF 089/2024 | FCM Bank Limited | Partially Upheld by Arbiter | 26/07/2024 | Not Appealed |
ASF 033/2024 | Bank of Valletta plc | Partially Upheld by Arbiter | 26/07/2024 | Not Appealed |
ASF 009/2024 | MeDirect Bank (Malta) P.l.c | Upheld by Arbiter | 18/07/2024 | 69/2024 In progress |