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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 421/2016 Bank of Valletta plc Not Upheld 27/09/2017 Not Appealed
ASF 426/2016 Crystal Finance Investments Limited Upheld by Arbiter 27/09/2017 Not Appealed
ASF 481/2016 Citadel Insurance plc Not Upheld 27/09/2017 Not Appealed
ASF 001/2016 Crystal Finance Investments Limited Not Upheld 27/09/2017 Not Appealed
ASF 427/2016 Hollingsworth International Financial Services Limited Not Upheld 27/09/2017 Not Appealed
ASF 420/2016 Hollingsworth International Financial Services Limited Upheld by Arbiter 27/09/2017 Not Appealed
ASF 027/2017 Bank of Valletta plc Not Upheld 27/09/2017 Not Appealed
ASF 478/2016 Crystal Finance Investments Limited Not Upheld 27/09/2017 Not Appealed
ASF 003/2017 GasanMamo Insurance Limited Not Upheld 27/09/2017 Not Appealed
ASF 370/2016 GlobalCapital Financial Management Limited Upheld by Arbiter 14/06/2017 32/2017
ASF 387/2016 Zenith Finance Limited(formerly MFSP Financial Management Limited) Upheld by Arbiter 14/06/2017 Not Appealed
ASF 412/2016 Crystal Finance Investments Limited Upheld by Arbiter 14/06/2017 33/2017
ASF 392/2016 All Invest Company Limited Upheld by Arbiter 14/06/2017 34/2017
ASF 414/2016 GlobalCapital Financial Management Limited Upheld by Arbiter 14/06/2017 36/2017
ASF 403/2016 GlobalCapital Financial Management Limited Upheld by Arbiter 14/06/2017 35/2017
ASF 437/2016 All Invest Company Limited Upheld by Arbiter 14/06/2017 Not Appealed
ASF 466/2016 APS Bank plc Not Upheld 14/06/2017 Not Appealed
ASF 035/2017 Mapfre MSV Life Plc Upheld by Arbiter 14/06/2017 Not Appealed
ASF 361/2016 Bank of Valletta plc Does not fall under OAFS competence 14/06/2017 Not Appealed
ASF 378/2016 GlobalCapital Financial Management Limited Upheld by Arbiter 11/04/2017 20/2017