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E: 11/03 Be Mortgage Clear for a Year and £10K with This Morning

This Morning

Answer - C

Good luck xxx
THIS MORNING MORTGAGE CLEAR AND £10K COMPETITION: INTERACTION INFORMATION

Opening/closing date & time:
· Competition opens for entries via PRTS, SMS, red button and online as stated in the This Morning show (the “programme”).
· Competition closes for entries via PRTS, SMS and red button at 5.00 p.m. as stated in the programme.
· Competition closes for entries online via the www.itv.com/thismorning website at 5 p.m. no less than 3 working days after the programme.

Competition draw date:
Within no more than 48 hours of the closing date and time for all entries.

Method & cost of entry:
· PRTS Phone - call 09012 93 33 33 and follow instructions; up to 5 entries per phone number. Each call costs no more than £1.03 from BT landlines. Calls from other networks may be higher and from mobiles will be considerably more.
· SMS text – send a SMS text to 83336 with A, B or C to indicate your answer to the question; up to 5 entries per phone number. Each text costs £1.00 plus one standard network rate message.
· Red Button – Sky and Virgin Media viewers press the red button on their remote control; up to 5 entries per phone number. Each red button entry costs no more than £1.03.
· Online – go to www.itv.com/thismorning and follow the instructions; up to 5 entries per phone number.

Prize:
The first correct entry drawn at random from all eligible entries will win the prize of £10,000 (ten thousand pounds) plus the winner’s mortgage or rent paid up to the value of £20,000 (twenty thousand pounds) for a period of 12 months from and including, March 2011 to and including, March 2012, subject to the following terms and conditions:

Entrants must have an existing valid written mortgage, or be paying rent under a valid written tenancy agreement and have made all payments due at the time of entering the competition. The Promoter will not pay any mortgage or rent arrears existing at the time of entering the competition.

Payments will be calculated by the Promoter based on the winner’s existing monthly payments at the time of entry to the competition up to a maximum of £1666.66 (inclusive) per month for up to 12 (twelve) months. Relevant mortgage payments may include:
a) capital repayments; and/or
b) interest charges on the mortgage;
c) payments of premiums due in respect of an endowment or similar insurance policy directly linked to the mortgage; or the rent payments as specified in the winner’s tenancy agreement; and/or
d) the monthly rent payment as specified in the winner’s tenancy agreement. Where payments are weekly, the Promoter will make the appropriate re-calculation.
For the avoidance of doubt, the mortgage payment excludes any associated costs and expenses which may be incurred by the winner or which are related to the winner’s mortgage or rent.

Payments will be calculated by the Promoter based on the winner’s existing monthly payments at the time of entry to the competition. In the event that the winner’s monthly payments increase at any time, the Promoter shall have no obligation to make any additional payments to cover any such increase.
The Promoter shall require documentary evidence of existing mortgage or rent payments. If the winner is unable to provide such evidence, the Promoter shall be entitled to disqualify the winner.

Where the winner has a joint mortgage, the Promoter will pay an amount calculated upon the full amount of the monthly payment due, and not just the winner’s share.
The prize will be paid by cheque and sent to their home address.
If the winner’s mortgage or rental arrangements are not clearly identifiable from a mortgage agreement or tenancy agreement, then the Promoter shall decide in its sole discretion whether an amount is to be paid, and if applicable, the amount to be paid based on any other evidence of mortgage or rent payments which can be given by the winner.

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