一位84岁的新西兰妇女在银行未能解释她儿子加入合资者的风险后, 获得了1万美元, 导致她无法获得50万美元. An 84-year-old New Zealand woman got $10,000 after her bank failed to explain risks of adding her son as joint holder, locking her out of $500,000.

一名拥有有限英文的84岁的新西兰妇女因银行未能适当解释将她的儿子加为共同账户持有人的风险,导致她被锁在50万美元的储蓄之外,因此获得了10 000美元的赔偿金。 An 84-year-old New Zealand woman with limited English was awarded $10,000 in compensation after her bank failed to properly explain the risks of adding her son as a joint account holder, leading to her being locked out of $500,000 in savings. 银行没有单独与她会面,没有记录讨论文件,也没有提供授权书等替代办法,因此没有遵守自己的政策。 The bank did not follow its own policies by failing to meet with her separately, document discussions, or offer alternatives like power of attorney. 监察员发现银行没有以合理的谨慎和技巧行事,特别是考虑到她的脆弱性和依赖儿子进行翻译。 The ombudsman found the bank did not act with reasonable care and skill, especially given her vulnerability and reliance on her son for translation. 补偿认识到所造成的压力和不便,尽管它无法确定她如果得到更好的指导会做什么。 The payout recognizes the stress and inconvenience caused, though it could not determine what she would have done with better guidance.