A Mandarin-speaking man has come into the office of an English-speaking financial advisor. The Mandarin-speaking man is seeking financial counselling for his uncle who has been experiencing some financial difficulties.
Listen to Audio
Transcript and reference translation
我是来代我叔叔询问的，希望你能帮助他解决他在财务上遇到的困境。I’m here to make an enquiry on my uncle’s behalf. I hope you can help him solve his financial difficulties.
我的叔叔年事已高，而且与他的前妻离婚了。他有脑部创伤并且不识字。他独自住在他继承的房子里，靠养老金维持生活，目前有一位心理医生和精神科医生在照看他的心理问题。My uncle is a divorced senior citizen. He has a traumatic brain injury and is illiterate. He lives alone in the house he inherited and is on the pension. Currently, a psychiatrist and psychiatrist are tending to his psychological problems.
在2018年稍早的时候，我的叔叔遇见了一个女人并和她开始了一段恋情。之后这女人搬去他家生活并开始拿他的钱。2018年晚些时候，这个女人威胁我叔叔说如果我叔叔不从他的存款账户上取钱给她，她就会对我叔叔动粗。Earlier in 2018, my uncle met a woman and started a relationship with her. After that, the woman moved in with him and began to take his money. Later in 2018, the woman threatened my uncle, telling him that if he didn’t withdraw money from his deposit account and give it her, she would be violent towards him.
在我叔叔第一次取款给她的一个月后，那个女人要求我叔叔向他的银行申请贷款。我叔叔告诉银行说他需要借些钱装修房子，随后银行贷款給他了4万澳元，即便他不识字。而这笔钱之后被这个女人拿走。One month after my uncle withdrew money to give to her for the first time, the woman asked him to apply for a loan from his bank. My uncle told the bank that he needed to borrow some money to renovate the house, and they loaned him $40,000 Australian dollars — even though he is illiterate. The woman then took the money away from him.
我叔叔之后持续地向他的存款账户取款，直到2021年三月，这个女的用刀攻击了我叔叔，随后我叔叔获得了保护令。My uncle then continued to withdraw money from his deposit account until March 2021, when the woman attacked my uncle with a knife, and my uncle obtained a protection order.
自此我叔叔存款账户的钱已被取空了，他的账户本来有8万澳元的。他现在还欠着银行1万2的个人贷款。本来这个存款账户是留着给他以后需要的时候用的，可是从他贷款偿付违约后，这个存款账户的8600澳元已经用来偿还他的贷款了。Since then, the money in my uncle’s deposit account has been emptied. His account originally had $80,000 Australian dollars. He still owes a personal loan of $12,000 to the bank. Originally, this deposit account was reserved for him to use in the future, but since his loan repayment default, the $8,600 in this deposit account has been used to repay his loan.
在2021年初，经银行建议，我的叔叔开始每两周还贷600澳元。他用手头上的钱来还贷很吃力，所以他就向亲戚们借了钱。他的兄弟帮他支付了很多账单，我叔叔也经常与他的兄弟们一起吃饭来省钱。At the beginning of 2021, on the advice of the bank, my uncle began to repay the loan, paying back $600 every fortnight. He struggled to repay the loan with his available funds, so he borrowed money from relatives. His brother helped him pay a lot of bills, and my uncle often ate with his brothers to save money.
他告诉我他申请贷款的时候，他没有与能帮助他的人讨论贷款条款，因此他不知道他会被要求支付利息。He told me that, when he applied for the loan, he did not discuss the terms of the loan with someone who could help him, so he didn’t know that he would be required to pay interest.
他存款及贷款的大部分都被那个女的拿走了。Most of his deposits and the loan money were taken away by the woman.
我叔叔的经济状况，以及他受到的暴力对待，让他感到很羞愧，很尴尬。他经常在谈及这事的时候流泪。My uncle’s financial situation and the violence he suffered made him feel very ashamed and embarrassed. He often tears up when talking about it.
我已经从我叔叔的心理医生和精神科医生那儿拿到了支撑信，这些支撑信详细说明了我叔叔的焦虑是由于他承受的身体暴力和财务虐待所造成的。信里同样也提及了我叔叔的认知障碍，有限的英语能力和认知。I have received letters of support from my uncle’s psychologist and psychiatrist which specify that my uncle’s anxiety is caused by the physical violence and financial abuse he endured. The letters also mention my uncle’s cognitive impairment, limited English ability and level of cognition.
我向我叔叔的银行发了邮件，要求银行提供贷款审查文件，贷款声明和存款明细。我还要求银行对我叔叔的贷款予以免除，分期还款退款，存款账户重置。我提及了我叔叔所遭受的家庭暴力及目前存在保护令。I sent an email to my uncle’s bank, asking them to provide loan review documents, loan statements and deposit details. I also asked them to waive my uncle’s loan, refund the repayment installments, and reset the deposit account. I mentioned the domestic violence suffered by my uncle and the protection order currently in place.
我收到了银行发来的确认信，被告知银行会基于我叔叔目前的困境而免除他的贷款，但关于贷款退款和存款账户的钱银行还没有回复我。I received a confirmation letter from the bank, and was told that they would forgive my uncle’s loan based on his current difficulties. However, they have not responded to me regarding loan refunds and the money in the deposit account.
之后，我向银行要求他们退回贷款偿款并且恢复存款账户。银行安排了不同的员工来审核每一项要求，这两个案件里，审核员认为我叔叔在他贷款原因上说了谎，因此拒绝了这两项要求。After that, I asked the bank to return the loan repayment and restore the deposit account. The bank arranged different employees to review each request. In these two cases, the reviewers believed that my uncle had lied about the reason for the loan, and so they rejected these two requests.
基于银行的回应，我就这两项要求向银行提起了投诉。我告诉银行我叔叔行为能力不足，英语能力受限，并且银行未能就我叔叔的花销和偿还贷款的能力做出合理的询问。同时银行也不知道我叔叔是家庭暴力受害者这一情况，而这可以通过审核员认为我叔叔在要求贷款原因上说谎这一事实来证明。Based on the bank’s response, I filed a complaint with the bank regarding these two requests. I told the bank that my uncle had limited cognition and English skills, and that they had failed to make reasonable enquiries about his expenses and ability to make repayments. At the same time, the bank did not know that my uncle was a victim of domestic violence, and this can be proved by the fact that the reviewer believed that he had lied about the reason for requesting the loan.
银行最初回应道说可以退还我叔叔支付的3600澳元的贷款利息以及支付4800澳元的医疗账单。但没有任何关于退款和存款的解决方案，他们说他们的员工在我叔叔每次提前取款的时候进行问询，这已经完成了他们的义务。The bank initially responded that it could refund the loan interest of $3,600 paid by my uncle and the medical bill of $4,800, but that they could not offer a solution for the refunds and deposits. They said that, since their employees inquired every time my uncle withdrew money in advance, they had already fulfilled their obligations.
我希望你可以帮我与银行谈判。我想让他们知道我叔叔从来没有接受贷款并且不知道这个流程是怎样的。请代我向他们要求一个进一步的审核。我希望他们可以给我叔叔退还所有的贷款偿款，总额大概1万8千澳元。这些钱将使我叔叔有足够的能力来支付他的账单，购买食物，并且可以幸福开心。如果你能帮我规划他未来的财务，我将非常感谢。I hope you can help me negotiate with the bank. I want them to know that my uncle never accepted the loan and does not understand the process involved. Please ask them to review the case further on my behalf. I hope they can refund all the loan repayments to my uncle, which total about $18,000. This money will allow my uncle to pay his bills, buy food, and live a happy life. I would be very grateful if you could help me plan his future finances.
Thank you. 谢谢。