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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 057/2018 MeDirect Bank (Malta) P.l.c Upheld by Arbiter 11/02/2019 Not Appealed
ASF 055/2017 Crystal Finance Investments Limited Upheld by Arbiter 15/01/2019 03/2019
ASF 089/2018 Bank of Valletta plc Upheld by Arbiter 15/01/2019 007/2019
ASF 061/2018 Bank of Valletta plc Upheld by Arbiter 15/01/2019 05/2019
ASF 078/2018 Bank of Valletta plc Upheld by Arbiter 15/01/2019 004/2019
ASF 004/2018 Bank of Valletta plc Upheld by Arbiter 15/01/2019 006/2019
ASF 408/2016 Curmi & Partners Ltd Partially Upheld by Arbiter 15/01/2019 Not Appealed
ASF 039/2017 Montaldo Insurance Agency Limited Upheld by Arbiter 15/01/2019 Not Appealed
ASF 433/2016 Hollingsworth International Financial Services Limited Upheld by Arbiter 15/01/2019 Not Appealed
ASF 042/2017 Crystal Finance Investments Limited Not Upheld 10/12/2018 Not Appealed
ASF 017/2017 Crystal Finance Investments Limited Upheld by Arbiter 10/12/2018 172/2018
ASF 162/2017 Crystal Finance Investments Limited Upheld by Arbiter 10/12/2018 171/2018
ASF 456/2016 Hollingsworth International Financial Services Limited Not Upheld 04/12/2018 169/2018
ASF 075/2017 Crystal Finance Investments Limited Upheld by Arbiter 04/12/2018 168/2018
ASF 034/2017 All Invest Company Limited Upheld by Arbiter 04/12/2018 Not Appealed
ASF 431/2016 HSBC Life Assurance (Malta) Limited Upheld by Arbiter 04/12/2018 Not Appealed
ASF 011/2017 Crystal Finance Investments Limited Upheld by Arbiter 04/12/2018 Not Appealed
ASF 124/2017 Calamatta Cuschieri Investment Services Limited Not Upheld 20/11/2018 Not Appealed
ASF 101/2017 Bank of Valletta plc Not Upheld 20/11/2018 Not Appealed
ASF 014/2017 All Invest Company Limited Upheld by Arbiter 20/11/2018 Not Appealed