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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.

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ASF case reference Financial Service Provider Outcome Date of Arbiter's Decision Appeal Court reference
ASF 034/2020 Axeria Insurance Limited(formerly Axeria Assistance Limited) Upheld by Arbiter 15/12/2020 Not Appealed
ASF 012/2020 Mapfre MSV Life plc Partially Upheld by Arbiter 15/12/2020 Not Appealed
ASF 165/2018 STM Malta Pension Services Limited (formerly STM Malta Trust and Company Management Limited) Not Upheld 15/12/2020 Not Appealed
ASF 065/2019 Mapfre MSV Life plc Partially Upheld by Arbiter 03/11/2020 Not Appealed
ASF 105/2019 HSBC Bank Malta plc Not Upheld 03/11/2020 Not Appealed
ASF 094/2019 Mapfre MSV Life plc Partially Upheld by Arbiter 03/11/2020 Not Appealed
ASF 024/2020 HSBC Bank Malta plc Partially Upheld by Arbiter 03/11/2020 Not Appealed
ASF 145/2018 MeDirect Bank (Malta) plc Not Upheld 21/10/2020 74/2020
ASF 095/2019 Mapfre MSV Life plc Partially Upheld by Arbiter 21/10/2020 076/2020
ASF 056/2019 Axeria Insurance Limited(formerly Axeria Assistance Limited) Upheld by Arbiter 21/10/2020 Not Appealed
ASF 003/2020 GasanMamo Insurance Limited Not Upheld 21/10/2020 Not Appealed
ASF 031/2020 ArgoGlobal SE Not Upheld 21/10/2020 Not Appealed
ASF 041/2019 THE TIMELESS URANIUM FUND SICAV PLC Upheld by Arbiter 16/09/2020 Not Appealed
ASF 054/2019 Hollingsworth International Financial Services Limited Not Upheld 16/09/2020 Not Appealed
ASF 129/2018 STM Malta Pension Services Limited (formerly STM Malta Trust and Company Management Limited) Partially Upheld by Arbiter 15/09/2020 064/2020
In progress
ASF 163/2018 Curmi & Partners Limited Upheld by Arbiter 15/09/2020 063/2020
ASF 002/2017 STM Malta Pension Services Limited (formerly STM Malta Trust and Company Management Limited) Partially Upheld by Arbiter 15/09/2020 062/2020
In progress
ASF 064/2019 Building Block Insurance PCC Limited Upheld by Arbiter 15/09/2020 Not Appealed
ASF 126/2018 XNT LTD. Upheld by Arbiter 15/09/2020 Not Appealed
ASF 023/2019 Axeria Insurance Limited(formerly Axeria Assistance Limited) Upheld by Arbiter 15/09/2020 Not Appealed