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 053/2019 | Axeria Insurance Limited(formerly Axeria Assistance Limited) | Not Upheld | 22/06/2020 | Not Appealed |
ASF 085/2019 | GasanMamo Insurance Limited | Not Upheld | 22/06/2020 | Not Appealed |
ASF 027/2019 | BNF Bank plc | Upheld by Arbiter | 22/06/2020 | 024/2020 |
ASF 016/2019 | HSBC Bank Malta plc | Upheld by Arbiter | 22/06/2020 | 23/2020 |
ASF 025/2019 | Mapfre MSV Life plc | Partially Upheld by Arbiter | 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 Middlesea plc | Upheld by Arbiter | 22/06/2020 | Not Appealed |
ASF 177/2018 | Mapfre MSV Life plc | Not Upheld | 10/03/2020 | Not Appealed |
ASF 175/2018 | Satabank p.l.c. | Not Upheld | 10/03/2020 | Not Appealed |
ASF 187/2018 | Eagle Star (Malta) Limited | Not Upheld | 10/03/2020 | Not Appealed |
ASF 005/2019 | Mapfre MSV Life plc | 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 154/2018 | Mapfre MSV Life plc | Partially Upheld by Arbiter | 10/03/2020 | Not Appealed |
ASF 001/2019 | Mapfre MSV Life plc | Partially Upheld by Arbiter | 10/03/2020 | Not Appealed |
ASF 042/2019 | HSBC Bank Malta plc | Not Upheld | 17/02/2020 | Not Appealed |
ASF 044/2019 | Bank of Valletta plc | Not Upheld | 17/02/2020 | Not Appealed |
ASF 092/2019 | Building Block Insurance PCC Limited | Upheld by Arbiter | 17/02/2020 | Not Appealed |
ASF 119/2018 | Mapfre MSV Life plc | Partially Upheld by Arbiter | 17/02/2020 | Not Appealed |