匯豐鯊捕食20,000名養老金領取者？工作人員被告知以孤獨、長者顧客為目標
Did HSBC sharks prey on 20,000 pensioners? Staff were told to target lone, elderly customers
By James Salmon
Last updated at 8:02 AM on 8th December 2011
Translation by Autumnson Blog
More than 20,000 pensioners may have been victims of the HSBC investment mis-selling scandal, it emerged yesterday.
超過兩萬名養老金領取者可能一直成為匯豐投資的不當銷售醜聞受害者，昨天浮現。
The shamed High Street giant will contact 11,000 elderly savers sold investments intended to fund the cost of care in their old age since 2004, by its rogue advice subisdiary, the Nursing Homes Fees Agency.
可恥的高街巨頭將接觸老人11,000名長者儲戶，出售投資用以資助自2004年以來他們晚年的護理費用，由它的流氓建議分支療養院費用代理。
An estimated 10,000 more may have been lured into gambling their cash since the firm was founded in 1991. Many of the victims are likely to have already died.
自該公司成立於 1991年以來，估計有10,000多人可能已被吸引賭博他們的現金。許多受害者可能已經死亡了。
On Monday, HSBC was hit with a record £10.5million fine and ordered to pay £29.3million compensation after NHFA was found to have mis-sold investments to 2,485 people between 2005 and 2010.
週一，匯豐銀行被打擊以創紀錄罰款一千零五十萬英鎊，及被責令支付二千九百三十萬英鎊補償，在NHFA被發現在2005年至2010年之間誤售投資給2,485人。
Victims, who were on average aged 83 but some as old as 94, were persuaded to part with an average £115,000, often nest eggs from the sale of their homes.
平均83歲的受害者，但有些高達94歲，被說服出錢平均£115,000，往往是從他們的家園摸鳥蛋。
製造數百萬：菲利普施皮爾斯從該銷售公司大賺特賺
Last night, as the bank tried to salvage its tarnished reputation, more revelations emerged:
昨晚，當銀行試圖挽救其受損聲譽，更多的揭示出現：
Insiders claim staff were advised to target lone, elderly customers visiting branches before families got involved;The massive mis-selling problem at NHFA was uncovered by HSBC towards the end of 2009. An investigation followed in 2010.
業內人士聲稱員工被建議在家庭介入之前，以來訪分行的孤獨、長者顧客為目標;
The bank has uncovered evidence of mis-selling from before it took over in 2005;
該銀行已發現不當銷售的證據，從它在2005年接管之前發生;
HSBC branch staff were still passing elderly customers to NHFA salesmen in April – almost 18 months after the mis-selling was uncovered;
匯豐分行的員工四月仍在將老年顧客傳遞給NHFA推銷員 - 發現不當銷售後近18個月;
HSBC staff were rewarded for passing at least ten to 15 elderly customers to NHFA every three months – pocketing £30 a person.
匯豐銀行員工每三個月傳遞至少10至15名長者顧客給NHFA會被獎勵 - 一個人袋30英鎊。
Staff would receive further payments of up to £100 if the customer was duped into parting with cash.
如果客戶被欺騙出現金，員工將收到進一步付款高達100英鎊。
NHFA的大規模不當銷售問題，在邁向2009年年底時被匯豐銀行揭露，繼後在2010年調查。
HSBC said it was writing to every customer who had been sold an investment by NHFA since 2005, when HSBC took over. Not all of these 11,000 customers were defnitely victims.
The Financial Services Authority has investigated a large number of cases from 2005 to 2010. None of the 2,485 victims of the mis-selling uncovered to date are likely to know yet that they are affected. HSBC has asked anyone concerned to contact the bank.
揭示：正當銀行試圖挽救其聲譽，它出現不當銷售是在2005年之前發生
Brian Robertson, chief executive of HSBC, told the Mail: 'We will take responsibility for all NHFA customers, including those from before HSBC bought NHFA in 2005 – to ensure this issue is resolved.
'We will look at each complaint individually and sympathetically.'
A member of frontline sales staff, who has worked for HSBC for seven years, said: 'We were given a target of recommending ten-15 elderly customers every three months.
'Each referral would earn about 1,000 “selling properly points” towards our targets. This would equate to commission of £30.
'If the customer then signed on the dotted line and invested with NHFA then we would get a slice of their commission. The most I ever got was around £100, but the NHFA salesmen could earn thousands.
Danny Cox, of financial adviser Hargreaves Landown, said: 'As soon as HSBC realised there was mis-selling it should have stopped staff recommending services.
Yesterday the Mail revealed NHFA senior executives Philip Spiers, Nick Tyler and Peter Fisher made £9.5million.
現金在床下更安全
http://www.dailymail.co.uk/news/article-2071391/HSBC-staff-told-target-lone-elderly-customers.html
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