Consumer NZ says the conditions a 92-year-old was left in at a Bupa Care Services rest home are "very disturbing".

Bupa has been ordered to pay $10,000 dollars over their failed care of Freda Love at the St Kilda Care Home in Cambridge.

Love's son Robert arrived one day to find his mother shivering under a thin blanket in a urine soaked bed, with the window wide open and her call bell out of reach.

Head of Research at Consumer NZ Jessica Wilson said the case reinforces what they have asked for, for years.

"We've been calling for some time for an independent enquiry into the rest home sector. Not only into the way it is funded and staffed but also the way the complaints process is working."

The rest home had just one staff member to tend to 10 patients, something which Wilson said is not uncommon in New Zealand.

"A lack of staffing is a recurring theme in the complaints we see. Mandatory staffing ratios have to be in place to ensure that services are delivered."