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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:
ASF 147/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
Crystal Finance Investments Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Not Upheld
Date of Arbiter's Decision:
27/05/2019
Appeal Court reference:
054/2019
ASF case reference:
ASF 007/2018
Sector:
Banking / Financial Institutions
Language:
Maltese
Financial Services Provider:
Bank of Valletta plc
Category Issue:
Unauthorised use
Product/Service:
Cards
Outcome:
Partially Upheld by Arbiter
Date of Arbiter's Decision:
27/05/2019
Appeal Court reference:
053/2019
ASF case reference:
ASF 131/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 056/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
Crystal Finance Investments Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 134/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
GlobalCapital Financial Management Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 122/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
Crystal Finance Investments Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Not Upheld
Date of Arbiter's Decision:
27/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 105/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 114/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
13/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 085/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
Bank of Valletta plc
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
06/05/2019
Appeal Court reference:
046/2019
ASF case reference:
ASF 062/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
06/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 037/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
06/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 118/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
06/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 161/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
GlobalCapital Financial Management Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
06/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 070/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
06/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 049/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
06/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 160/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
06/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 471/2016
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
06/05/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 128/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
Crystal Finance Investments Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
17/04/2019
Appeal Court reference:
036/2019
ASF case reference:
ASF 127/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
Crystal Finance Investments Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Not Upheld
Date of Arbiter's Decision:
17/04/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 067/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
Bank of Valletta plc
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Not Upheld
Date of Arbiter's Decision:
17/04/2019
Appeal Court reference:
Not Appealed