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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.

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ASF case reference Financial Service Provider Outcome Date of Arbiter's Decision Appeal Court reference
ASF 036/2017 All Invest Company Limited Upheld by Arbiter 09/09/2019 Not Appealed
ASF 064/2018 Mapfre MSV Life plc Partially Upheld by Arbiter 09/09/2019 Not Appealed
ASF 115/2018 Crystal Finance Investments Limited Upheld by Arbiter 09/09/2019 Not Appealed
ASF 112/2018 Mapfre MSV Life plc Not Upheld 09/07/2019 Not Appealed
ASF 161/2018 Laferla Insurance Agency Limited Not Upheld 09/07/2019 Not Appealed
ASF 117/2018 Bonnici Insurance Agency Limited Not Upheld 09/07/2019 065/2019
ASF 139/2018 Crystal Finance Investments Limited Upheld by Arbiter 09/07/2019 063/2019
ASF 071/2017 GlobalCapital Financial Management Limited Upheld by Arbiter 09/07/2019 Not Appealed
ASF 169/2018 Building Block Insurance PCC Limited Upheld by Arbiter 09/07/2019 Not Appealed
ASF 155/2018 Building Block Insurance PCC Limited Upheld by Arbiter 09/07/2019 Not Appealed
ASF 061/2017 All Invest Company Limited Upheld by Arbiter 09/07/2019 Not Appealed
ASF 006/2019 Bank of Valletta plc Not Upheld 24/06/2019 Not Appealed
ASF 139/2017 Crystal Finance Investments Limited Upheld by Arbiter 14/06/2019 058/2019
ASF 110/2017 GlobalCapital Financial Management Limited Upheld by Arbiter 14/06/2019 Not Appealed
ASF 059/2018 Crystal Finance Investments Limited Partially Upheld by Arbiter 14/06/2019 Not Appealed
ASF 144/2017 Crystal Finance Investments Limited Upheld by Arbiter 12/06/2019 062/2019
ASF 145/2017 Crystal Finance Investments Limited Upheld by Arbiter 12/06/2019 062/2019
ASF 141/2017 BNF Bank plc Partially Upheld by Arbiter 12/06/2019 059/2019
ASF 137/2017 All Invest Company Limited Upheld by Arbiter 12/06/2019 Not Appealed
ASF 122/2017 Crystal Finance Investments Limited Not Upheld 27/05/2019 Not Appealed