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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 012/2019 TravelJigsaw Insurance Limited Not Upheld 22/06/2020 Not Appealed
ASF 100/2019 GasanMamo Insurance Limited Not Upheld 22/06/2020 Not Appealed
ASF 002/2020 Building Block Insurance PCC Limited Upheld by Arbiter 22/06/2020 Not Appealed
ASF 043/2019 Axeria Insurance Limited(formerly Axeria Assistance Limited) Upheld by Arbiter 22/06/2020 Not Appealed
ASF 018/2019 Mapfre MSV Life Plc Upheld by Arbiter 22/06/2020 Not Appealed
ASF 183/2018 Mapfre MSV Life plc Not Upheld 22/06/2020 Not Appealed
ASF 045/2018 Michael Grech Financial Investment Services Limited Not Upheld 22/06/2020 Not Appealed
ASF 154/2018 Mapfre MSV Life plc Partially Upheld by Arbiter 10/03/2020 Not Appealed
ASF 175/2018 Satabank p.l.c. Not Upheld 10/03/2020 Not Appealed
ASF 001/2019 Mapfre MSV Life plc Partially Upheld by Arbiter 10/03/2020 Not Appealed
ASF 187/2018 Eagle Star (Malta) Limited Not Upheld 10/03/2020 Not Appealed
ASF 174/2018 Mapfre MSV Life plc Partially Upheld by Arbiter 10/03/2020 Not Appealed
ASF 191/2018 GlobalCapital Financial Management Limited Upheld by Arbiter 10/03/2020 Not Appealed
ASF 005/2019 Mapfre MSV Life plc Not Upheld 10/03/2020 Not Appealed
ASF 177/2018 Mapfre MSV Life plc Not Upheld 10/03/2020 Not Appealed
ASF 154/2017 GlobalCapital Financial Management Limited Upheld by Arbiter 17/02/2020 Not Appealed
ASF 092/2019 Building Block Insurance PCC Limited Upheld by Arbiter 17/02/2020 Not Appealed
ASF 044/2019 Bank of Valletta plc Not Upheld 17/02/2020 Not Appealed
ASF 119/2018 Mapfre MSV Life plc Partially Upheld by Arbiter 17/02/2020 Not Appealed
ASF 042/2019 HSBC Bank Malta plc Not Upheld 17/02/2020 Not Appealed