natgillin/translations-raw huggingface dataset:
Končno, odbor je pregledal mehanizme za usklajevanje na ravni EU, kot je mreža FIN-NET, ki je bila ustanovljena, da bi olajšala obravnavo pritožb čezmejnih potrošnikov.
Finally, the committee looked at coordination mechanisms at EU level, such as FIN-NET, which was established to facilitate the treatment of cross-border consumer complaints.
Oddelek v nadaljevanju navaja skupinske tožbe in se konča s sklepom, da mora vlada Združenega kraljestva oškodovancem družbe ELAS izplačati odškodnino.
The section continues with a reference to class action lawsuits and concludes by making the case for ELAS victims to be compensated by the UK Government.
V izjavi pred odborom je sedanji izvršni direktor družbe Equitable Life Charles THOMSON (H2) izjavil, da je bilo leta 2001, ko so se pojavili dogodki v zvezi z družbo Equitable, „ več kot milijon oseb, ki jih je zanimal sklad [družbe Equitable Life] za življenjsko zavarovanje s klavzulo o soudeležbi pri dobičku zavarovalnice“ .
In his statement before the committee, current Equitable Life CEO Charles THOMSON (H2) said that there were in 2001, when the events at Equitable occurred, " well over a million people who had an interest in the [Equitable Life] with-profits fund ".
STRACHAN (H4) je izjavil, da je imela leta 2000 družba Equitable Life približno 1,7 milijona zavarovancev (življenjsko zavarovanje s klavzulo o soudeležbi pri dobičku zavarovalnice in druge police).
Mr STRACHAN (H4) indicated that in 2000, there were approximately 1.7 million (with-profits and other) policyholders in Equitable Life.
V pisni izjavi (WE 47
In a written statement (WE 47
Stran 1. ) je THOMSON pozneje podrobno navedel, da je leta 2001 okrog 1,5 milijona ljudi zanimalo življenjsko zavarovanje s klavzulo o soudeležbi pri dobičku zavarovalnice in druge police.
Page 1. ), Mr THOMSON later specified that in 2001, roughly 1.5 million people had an interest in the Society's with-profits.
Ta številka vključuje oceno števila članov skupinskih pokojninskih shem, ki sami niso zavarovanci, in tako predstavlja oceno skupnega števila oškodovanih posameznikov.
This figure includes an estimate of the number of members of group pension schemes who are not policyholders themselves and so represents an estimate of the total number of individuals affected.
Velika večina teh so bili državljani Združenega kraljestva, vendar je družba sklenila približno 8 000 življenjskih zavarovanj s klavzulo o soudeležbi pri dobičku zavarovalnice na Irskem (po mnenju STRACHANA v H4 8 300) ter približno 4 000 življenjskih zavarovanj s klavzulo o soudeležbi pri dobičku zavarovalnice v Nemčiji.
The vast majority of these were UK residents, but the Society also had about 8000 with-profits policyholders in Ireland (8300 according to Mr STRACHAN, H4) and about 4000 with-profits policyholders in Germany. "
Po mnenju Thomsona (WE 47) „bi bil v EU zato donos približno 1 % po osebi“
The EU aspect would therefore be around 1% of the issue by headcount ", according to Mr THOMSON (WE 47
Stran 1. ).
Page 1. ).
Poleg tega je bilo sklenjenih približno 6 500 mednarodnih polic, ki so se prek podružnice na otoku Guernsey prodale posameznikom po vsem svetu (WE 47
In addition, there were approximately 6500 international policies which were sold through the Society's Guernsey office to individuals throughout the world (WE 47
SEYMOUR, direktor akcijske skupine EMAG, odgovoren za zavarovance, ki niso iz Združenega kraljestva, je v H7 obvestil odbor, da je v poznih devetdesetih letih 20. stoletja družba ELAS imela 13 405 zavarovancev, ki niso državljani Združenega kraljestva, v 13 različnih državah članicah.
Mr SEYMOUR, EMAG director with responsibility for non-UK based policyholders, informed the committee in H7 that in the late 1990s ELAS had 13.405 non-UK policyholders, resident in 13 different Member States.
V WE 53
In WE 53
Priloga A. je navedena natančna porazdelitev zavarovancev po državah članicah.
Annex A. , he provides an exact breakdown of policyholders per Member State.
Poleg Irske (6 342) in Nemčije (3 281) je veliko zavarovancev tudi v Franciji (1 069) in Španiji (728).
Besides Ireland (6342) and Germany (3281), there appear to have been significant numbers of policyholders in France (1069) and Spain (728).
V pisnem dokazu, ki ga je akcijska skupina EMAG v peticiji predložila Evropskemu parlamentu, je navedeno, da je bilo skupno zunaj Združenega kraljestva oškodovanih 70 000 zavarovancev (WE 14
In written evidence submitted by EMAG in their petition to the European Parliament, it is claimed that as many as 70.000 policyholders from outside the UK were affected in total (WE 14
Stran 7. ).
Page 7. ).
Čeprav se dobljene številke nekoliko razlikujejo, je mogoče iz dokazov, ki so na voljo, sklepati, da je kriza družbe Equitable Life oškodovala številne ljudi v Združenem kraljestvu in drugih državah članicah EU.
Even though the numbers obtained vary slightly, it can be concluded from the evidence at hand that the Equitable Life crisis affected a large number of people both within the UK and in other EU Member States.
KWANTESOVA je v H7 poudarila, da je velik ugled družbe Equitable Life privabil zavarovance različnih poklicev: „80 % odvetnikov v Združenem kraljestvu je sklenilo police pri družbi Equitable Life ...
Ms KWANTES pointed out in H7 that Equitable Life's high reputation has attracted policyholders from various professional backgrounds: "80% of the lawyers in the UK had policies with Equitable Life ...
Resnično je bila zelo cenjena.“ WEYER (H3) je med nemškimi zavarovanci poudaril visok delež „ akademikov in oseb s številnimi strokovnimi izkušnjami ali s področja finančnih storitev “.
Mr WEYER (H3) stressed the high proportion, among German policyholders, "of academics and persons who have either considerable professional experience or are from the financial services industry itself" .
Obveljalo je določeno mnenje, da je večina zavarovancev družbe Equitable Life pomembnih posameznikov.
There has been a certain perception that the majority of Equitable Life policyholders tend to be affluent individuals.
Kljub temu dokazi, ki jih je prejel odbor, kažejo, da so številni zavarovanci „ preprosti ljudje “ (KWANTES, H7), ki jih je kriza družbe Equitable močno prizadela.
However, evidence received by the committee suggests that many policyholders are " small individuals " (Ms KWANTES, H7), who have suffered badly due to the crisis at Equitable.
Irska zavarovanka je na primer delegaciji odbora, ki je obiskala Dublin 6. oktobra 2006, povedala, da je zaradi tega morala prodati hišo.
An Irish policyholder, for instance, told the committee delegation who visited Dublin on 6 October 2006 that she was forced to sell her house as a consequence.
Večina zavarovancev so bili starejši ljudje.
Most policyholders affected appear to be of advanced age.
WEYER je izjavil, da je bila „ povprečna nemška stranka poročen upokojenec, star približno 65 let “ (H3).
Mr WEYER said that " the typical German customer is, as we see it, a married pensioner aged around 65 " (H3).
SCAWEN, ki zastopa ujete rentnike, je v WE 23 izjavil:
Mr SCAWEN, representing trapped annuitants stated in WE 23
Stran 4. „ Vsi smo upokojenci sredi sedemdesetih, nekateri razmeroma mladostni ..., dejavni tako fizično kot mentalno, drugi pa se približujejo koncu življenja z vsemi težavami s spominom, fizičnimi in intelektualnimi težavami, ki so povezane s staranjem. “
Page 4. that " we are all retired with an average age in the mid seventies, some relative youngsters ..., active both physically and mentally, and others reaching the end of their lives with all the associated problems of memory, physical and intellectual frailty that comes with the ageing process ".
Celotnih izgub, ki so jih imeli zavarovanci (ter resnično primanjkljaj glede na razumna pričakovanja zavarovancev), ni mogoče natančno oceniti.
The total losses incurred by policyholders (and indeed the shortfall against policyholders' reasonable expectations) cannot be quantified precisely.
LAKE, predsednik Akcijske skupine zavarovancev družbe Equitable Life (akcijska skupina EMAG), je izjavil, da je 16-odstotno linearno znižanje skupne vrednosti vseh pokojninskih polic, ki ga je družba ELAS uporabila 16. julija 2001, znašalo 4 milijarde funtov.
Mr LAKE, Chairman of the Equitable Members' Action Group (EMAG), stated that the across-the-board cut of 16% to the total value of all pension policies, which ELAS applied on 16 July 2001, equalled £4 billion.
Lord PENROSE v WE 16 navaja
Lord PENROSE indicates in WE 16
Stran 223. , da je bilo znižanje, ki je bilo napovedano julija 2001, ocenjeno na 4,9 milijarde funtov (vključno z ločeno prilagoditvijo vrednosti rent iz dobička v višini 630 milijonov funtov).
Page 223. that the reduction intimated in July 2001 was valued at £4.9 billion (including a separate adjustment of with profit annuity values of £630 million).
Od takrat so se uvedle dodatne prilagoditve tržne vrednosti.
Additional market value adjustments have been imposed since then.
Razen tega so se po mnenju Laka (H1) stalno zniževali dohodki približno 45 000 tako imenovanih rentnikov z življenjskim zavarovanjem s klavzulo o soudeležbi pri dobičku zavarovalnice „ do sedanje točke, ko so 35-odstotna znižanja običajna in prihodki še vedno upadajo “.
Furthermore, the incomes of about 45.000 so called with-profits annuitants have been cut continuously " to the point where 35% decreases are now typical and incomes are still declining ", according to Mr LAKE (H1).
Organ za finančne storitve je izjavil, da ni opravil izračuna skupnih izgub, s čimer je predlagal, da se to lahko izračuna za posamezne police (STRACHAN, H4).
The FSA stated that it has not carried out a calculation of total losses, suggesting that this could only be done on a policy-by-policy basis (Mr STRACHAN, H4).
Razen tega bi bilo, tudi če bi bile točne številke znane, dokaj težko določiti, kateri del izgub je mogoče pripisati slabemu vodenju družbe (in zato sprožiti mogoče zahtevke) in v kakšnem obsegu so bile izgube posledica zunanjih dejavnikov, kot je slaba učinkovitost finančnih trgov v tistem času.
Furthermore, even if exact figures were known, it would be rather difficult to determine which part of the losses can be attributed to mismanagement by the Society (and hence give rise to possible claims) and to which extent they were a consequence of external factors, such as the weak performance in financial markets at the time.
THOMSON (H2) trdi, „ da je le izguba, ki je jasna posledica določenih okoliščin v družbi Equitable Life, povezana z zajamčenimi rentami, tj. povezana s sodbo v zadevi Hyman julija 2000 “.
Mr THOMSON (H2), claims that " the only loss that is clearly due to the particular circumstances of Equitable Life is related to the Guaranteed Annuity Rates (GARs) i.e. related to the Hyman judgement in July 2000 ".
Druge izgube bi bile povezane s trgom, in sicer zaradi velikih padcev na borzi na začetku tega desetletja, kar bi se v večjem ali manjšem obsegu zgodilo tudi ponudnikom drugih skladov za življenjsko zavarovanje s klavzulo o soudeležbi pri dobičku zavarovalnice.
Other losses would be market-related, namely due to sharp falls in stock-markets during the early years of this decade, and would also have happened to a greater or lesser extent with providers of other with-profits funds.
STRACHAN (H4) je menil tudi, da se bile vrednosti polic znižane predvsem zaradi zelo velikih padcev na trgih lastniških vrednostnih papirjev.
Mr STRACHAN (H4) was also of the opinion that the policy cuts were made principally because of the very sharp falls that had occurred in equity markets.
Temu stališču nasprotuje akcijska skupina EMAG (glej spodaj).
This view is contested by EMAG (see below).
Tako v WE 47
Thus, in WE 47
Stran 2.
Page 2.
THOMSON poudarja, da „ je treba pazljivo opredeliti, kaj pomeni izraz celotne izgube zavarovancev, [ker] so police za življenjsko zavarovanje s klavzulo o soudeležbi pri dobičku zavarovalnice naložbene police in so zato podvržene naložbenim izgubam in naložbenim dobičkom, ki nastajajo v običajnem poslovnem svetu“.
Mr THOMSON points out that one " needs to be careful to define what is meant by collective losses incurred by policyholders, [since] the with-profits policies are investment contracts and consequently are subject to investment losses as well as investment profits in the normal course of business ".
Navaja, da je družba Equitable Life na različne načine ocenila izgube, ki so nastale zaradi njenih izrednih okoliščin (WE 47).
He indicates that Equitable Life has assessed losses caused by the Society's special circumstances in several ways (WE 47).
Prvič, v zvezi s civilno tožbo proti nekdanjim revizorjem in nekdanjim direktorjem
Firstly, in connection with the litigation against the former auditors and former directors
Glej tudi točko IV.1. , je „ sprejel nasvete v zvezi z mogočimi izgubami, ki so nastale na podlagi vrednosti družbe leta 2001, če bi se nekateri ukrepi sprejeli prej “.
See also point IV.1. , it " took advice on possible losses arising based on the value of the Society in 2001 if certain actions had been taken earlier ".
To je pokazalo izgube do 2,05 milijarde funtov za družbo (to je za člane, ki so navedeni kot lastniki, vendar niso zavarovanci).
This revealed losses of up to £2.05 billion to the Society (i.e. to members in aggregate as owners but not to policyholders).
Drugič, družba je ocenila izgube pri policah brez zajamčenih rent kot rezultat vpliva zajamčenih rent v zvezi z odškodninsko shemo (glej spodaj
Secondly, the society assessed the losses suffered by policies without GARs as a result of the impact of GARs in connection with the Compromise Scheme (see below
Glej IV.2. ).
See IV.2. ).
Izgube, obravnavane v shemi, ki ne zajemajo vseh zavarovancev s policami brez zajamčenih rent, znašajo 850 milijonov funtov.
The losses addressed by the scheme, which did not however cover all non-GAR policyholders, amounted to £850 million.
Prav tako je mogoče upoštevati shemo za rektifikacijo
The Rectification Scheme
Glej tudi IV.3. , ki je popravila pretekle pokojnine, da se je omogočilo izplačevanje zajamčenih rent v višini 103 milijonov funtov.
See also IV.3. , which corrected past retirements to allow for GAR, amounting to £103 million, might also be taken into consideration.
Po mnenju THOMSONA (H2; WE 47) bi skupne zajamčene rente v zvezi z izgubami znašale največ približno 5 % vrednosti polic, kar je takrat znašalo približno 1,5 milijarde funtov.
Total GAR related losses would be a maximum of around 5% of policy value, according to Mr THOMSON (H2; WE 47), equalling around £1.5 billion at the time.
Vendar se Penrosovo poročilo končuje s trditvijo, da je bilo izplačevanje previsokih bonusov pomemben vzrok za slab finančni položaj družbe ELAS, zaradi česar je bilo treba znižati vrednosti polic (WE 16)
The Penrose report, however, concludes that over-bonusing was a significant cause for the financial weakness of ELAS, which required the cuts in policy values (WE 16)
Med drugim, stran 691. .
inter alia page 691. .
Z razlago nastanka potrebe po 16-odstotnem znižanju julija 2001 je SLATER v WE 34
Explaining how the need for the 16% cut of July 2001 had arisen, Mr SLATER highlighted in WE 34
Strani 3 in 4. poudaril, kako družba ELAS več kot desetletje ni usklajevala vrednosti polic z vrednostjo sredstev, s čimer je vsako leto od leta 1989 do leta 2000 ustvarjala primanjkljaje (celo zelo visoke primanjkljaje, kot je 28 % leta 1990 in 20 % leta 1994).
Pages 3 and 4. how, over more than a decade, EL had not balanced its policy values with asset values, thus accumulating deficits each year from 1989 to 2000 (even very substantial deficits, such as 28% in 1990 and 20% in 1994).
To je približen znesek, ki se je pridobil s 16-odstotnim znižanjem vrednosti polic 16. julija 2001“.
This was approximately the amount recovered by the 16% cut of policy values on 16th July 2001. "
Kot je določeno v WE 8, so lahko zavarovanci glede na osebne okoliščine imeli tudi dodatne stroške, kot so kazni za prezgodnjo prekinitev police, sodne stroške ali stroške ponovnega vlaganja, poleg škode, ki so jo utrpeli zaradi znižanja vrednosti police ali izplačil rent.
As outlined in WE 8, policyholders may, depending on personal circumstances, also have incurred supplementary costs, such as penalties for early withdrawals, legal costs or reinvestment expenses, in addition to damages they have suffered as a consequence of cuts in policy values or annuity payments.
Odbor je prejel številne pripombe zavarovancev, v katerih so opisali svoje osebne izgube
The committee received numerous written representations from policyholders, which illustrate their personal losses
Glej na primer WE-FILE 1, WE-FILE 2, WE-FILE 3, WE-FILE 4, WE-FILE 5, WE-FILE 6, WE-FILE 7, WE-FILE 8, WE-FILE 9, WE-FILE 11, WE-FILE 12, WE-FILE 13, WE-FILE 14, WE-FILE 15, WE-FILE 16, WE-FILE 19, WE-FILE 20, WE-FILE 33, WE-CONF 3, WE-CONF 19. zaradi znižanja prihodkov ali vrednosti police.
See, for instance, WE-FILE 1, WE-FILE 2, WE-FILE 3, WE-FILE 4, WE-FILE 5, WE-FILE 6, WE-FILE 7, WE-FILE 8, WE-FILE 9, WE-FILE 11, WE-FILE 12, WE-FILE 13, WE-FILE 14, WE-FILE 15, WE-FILE 16, WE-FILE 19, WE-FILE 20, WE-FILE 33, WE-CONF 3, WE-CONF 19. as a result of reductions in incomes or policy value.
Razen tega je več prič omenjalo osebne izgube (WEIR, H2; KNOWD, H2; SCAWEN, H3) ali opisalo značilne primere (WEYER in SCAWEN, H3) v ustnih pričevanjih pred odborom.
Moreover, several witnesses referred to personal losses (Mr WEIR, H2; Ms KNOWD, H2; Mr SCAWEN, H3) or illustrated 'typical cases' (Mr WEYER and Mr SCAWEN, H3) in their oral testimonies before the committee.
Na primer SCAWEN, ki predstavlja rentnike družbe ELAS, navaja „ moja izguba dobička, do sedaj in v prihodnosti, je izredna.
For instance, Mr SCAWEN representing ELAS annuitants indicates that " my loss of income both to date and in the future is enormous.
Številnim rentnikom, katerih edini vir dohodka so bile rente družbe, se bo v prihodnosti življenjski standard možno znižal in v številnih primerih bodo morali zaprositi za finančno pomoč svoje družine ali socialno službo ali pa bodo morali prodati dom, da bodo lahko preživeli.
For many annuitants, where their only source of income is from the Society, their future standard of living has to decline and in many cases they will be seeking financial support from their families or social security, or be forced to sell their homes in order to subsist.
Ti ljudje so preudarno varčevali denar iz prihodkov, da bi si zagotovili udobno življenje po upokojitvi, družba pa jim je takšen življenjski standard ukradla“ (WE 23
These people prudently set aside money from their earnings to provide themselves with a comfortable lifestyle during their retirement, a lifestyle that has been stolen from them by the Society " (WE 23
Stran 10. ).
Page 10. ).
Medtem ko je jasno, da se posamezne izgube precej razlikujejo, odvisno od razreda police, sprejetja ali zavrnitve sporazuma o odškodnini in drugih individualnih okoliščin, dokazi, ki jih je prejel odbor, potrjujejo stališče lorda Penrosa, ki v svojem poročilu izjavlja, da „ je jasno, da so številni zavarovanci družbe Equitable trpeli in bodo še naprej imeli velike finančne težave, ker se bodo pričakovani donosi iz njihovih prihrankov močno zmanjšali“ (WE 16)
While it is clear that the individual losses differ considerably, depending on the class of policy, acceptance or not of the compromise agreement and other individual circumstances, the evidence obtained by the committee confirms the view of Lord PENROSE, who states in his report that " it is clear that many Equitable policyholders have suffered and will continue to experience real financial hardship as a result of seeing the returns they had expected from their savings very dramatically reduced " (WE 16)
Stran 745. .
Page 745. .
Številni ljudje so mi pripovedovali, kako dlje časa niso mogli spati.
Ms KWANTES in H7 struck a similar note: "[It] caused so much trauma to so many people.
Ljudje so zaradi tega fizično zboleli, kar menim, da je zelo žalostno.“
People have become physically ill over it, which I think is very sad ."
Kot je navedeno zgoraj, vsi zavarovanci niso bili enako prizadeti.
As mentioned above, the various classes of policyholder are affected to different degrees.
Na splošno povedano so zavarovanci brez zajamčenih rent, ki so sklenili police po letu 1988, morali plačati za izvajanje odločitve zgornjega doma („zadeva Hyman“), ki je odločil, da mora družba izpolniti svoje obveznosti do zavarovancev s policami z zajamčenimi rentami.
Generally speaking, policyholders without GAR's who had purchased policies after 1988 have had to foot the bill for the implementation of the judgement by the House of Lords ("Hyman case"), which ordered the Society to meet its commitments to GAR policyholders.
Med zavarovanci s policami brez zajamčenih rent sta v slabem položaju predvsem dve skupini: V prvi skupni so novejši zavarovanci, ki so sklenili polico malo pred krizo družbe Equitable Life.
Among the non-GAR policyholders, two groups seem to have been particularly disadvantaged: The first group are the so-called late-joiners, who joined shortly before Equitable Life's near-collapse.
Nekateri od teh so polico sklenili celo po odločitvi zgornjega doma, ker je „ družba še naprej sklepala nove police tudi po odločitvi zgornjega doma 20. julija 2000, dokler ni prenehala sklepati nove police 8. decembra 2000 “ (WE-CONF 21).
Some of them even joined after the House of Lords judgement as the " Society continued to take in new business from after the decision of the House of Lords on 20 July 2000 until it closed to new business on 8 December 2000 " (WE-CONF 21).
To mnenje je podprl tudi Boswood v WE 76
This view is supported by Mr BOSWOOD in WE 76
Stran 3. .
Page 3. .
Thompson pa je v (H8) izrazil drugačno mnenje: „Razlog za uvedbo pavšalnih znižanj je bilo doseganje večje pravičnosti za vse zavarovance.
Mr THOMSON (H8) took a different view: " The reason for applying reductions at a flat rate was to achieve greater fairness to all policyholders.
Uprava je to odločitev sprejela po obravnavi več možnosti skupaj z imenovanim aktuarjem“.
That decision was taken by the board having considered a range of options with the appointed actuary ".
Druga skupina se imenuje tudi „ujeti rentniki“.
The second group is referred to as 'trapped annuitants'.
Kot je pred Odborom poudaril Scawen (H1), „ naših polic ne moremo ali ne smemo prenesti v drugo zavarovalnico.
As Mr SCAWEN (H3) pointed out before the committee, " we cannot or are not allowed to transfer our policies to another provider.
Tako lahko družba znatno zniža izplačila rent, kar je tudi storila, v nekaterih primerih tudi za 40 %, pri čemer je ostala možnost, da še nadalje znižuje moje prihodke do konca mojega življenja“.
Thus, the Society can reduce and has reduced our annuity payments by substantial sums, in my case by some 40%, with the prospect of continuing reductions in my income for the rest of my life ".
Po dogodkih v družbi ELAS zavarovanci ves čas zahtevajo razlago in odškodnino.
After the events at ELAS, there has been continuing outrage and demand from the policyholders for explanation and redress.
Glede na peticijo akcijske skupine EMAG Evropskemu parlamentu (WE 14
According to EMAG's petition to the European Parliament (WE 14
Stran 28. ) so se številni zavarovanci pritožili neposredno zakonodajnemu organu Združenega kraljestva, v tem primeru Organu za finančne storitve.
Page 28. ), many of them complained directly to the UK regulatory authority in the form of FSA (Financial Services Authority).
Akcijska skupina EMAG trdi, da je Organ za finančne storitve zavrnil vse pritožbe (WE 14
EMAG says that the FSA rejected all complaints (WE 14
Stran 28. ).
Page 28. ).
Predstavniki Organa za finančne zadeve pred odborom niso imeli posebnih opomb v zvezi z obravnavo pritožb zavarovancev s strani Organa za finančne storitve (H4), ampak so kot pristojnega za obravnavo takšnih pritožb raje navedli varuha človekovih pravic za finančne storitve Združenega kraljestva.
The FSA's representatives before the committee did not make any specific comments on the treatment by FSA of policyholders' complaints (H4) but rather referred to the UK Financial Ombudsman as the competent body for dealing with such complaints.