E: 24/06 Mortgage Clear for a Year and £10K with This Morning

comping_cat

This Morning

Answer - C

Good luck xxx

Method & cost of entry:

· PRTS Phone - call 09012 93 33 33 and follow instructions; up to 6 entries per phone number. Entrants who enter twice from the same phone number will be invited to stay on the line on their second call to enter the competition a third time without additional charge. This can be repeated twice to reach the 6 entries per phone number limit. The entrant’s third entry must be made on the second call from that phone number. Each call costs no more than £1.03 from BT landlines. Other networks may be higher and from mobiles considerably more.

· SMS text – send a SMS text to 83336 with A, B or C to indicate your answer to the question; up to 6 entries per phone number. SMS entrants will receive a SMS reply message acknowledging their SMS entry and inviting them to enter the competition via SMS a second time using the same mobile number to receive an additional entry into the competition without charge. Entrants who then send a second SMS text with their answer to 83336 by the competition closing date and time will be entered into the draw three (3) times for a chance to win the prize. This can be repeated twice to reach the 6 entries limit. Each of the SMS entrant’s first two (2) SMS text entries 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 6 entries per phone number. Each red button entry costs no more than £1.03.

· Online – go to www.itv.com/thismorning and follow instructions; up to 6 entries per phone number.

Prize:

The prize is a cheque for £10,000 (ten thousand pounds) payable in the name of the winner only, and payment of the winner’s mortgage or rent on their main UK residence until 19 June 2012 up to the value of £20,000 (twenty thousand pounds) (“the mortgage payments and/or rent payments”), subject to the following terms and conditions:

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* If you do not pay mortgage or rent, you will not qualify for that part of the competition.

Prize:

The prize is a cheque for £10,000 (ten thousand pounds) payable in the name of the winner only, and payment of the winner’s mortgage or rent on their main UK residence until 19 June 2012 up to the value of £20,000 (twenty thousand pounds) (“the mortgage payments and/or rent payments”), subject to the following terms and conditions:

Entrants must have an existing mortgage in accordance with a valid written mortgage agreement in respect of their main residence located in the United Kingdom or be paying rent in accordance with a valid written tenancy agreement in respect of a property located in the United Kingdom, and have made all payments due at the time of entering the competition. The Promoter will not pay any mortgage arrears or unpaid rent existing at the time of entering into 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, and will include the following elements:

a) capital repayments; and/or


b) interest charges on the mortgage; and/or


c) payments of premiums due in respect of an endowment or similar insurance policy directly linked to the mortgage; 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.

The Promoter shall require documentary evidence of any such mortgage or rent existing payments e.g. mortgage statements, bank statements, rent books, etc. In the event that the winner is unable to provide the Promoter with such evidence to the Promoter’s satisfaction, the Promoter shall be entitled to disqualify the winner from winning the mortgage payment element of the prize. In the event that the winner’s mortgage or rent payments are not as described above (e.g. a current account mortgage such as a ‘Virgin One’), or 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 the amount to be paid to the winner based on any other evidence of mortgage or rent payments which can be given by the winner.

In the event that the winner disagrees with the Promoter’s decision as to the amount to be paid by the Promoter the dispute shall be referred (at the Promoter’s cost) to an independent financial advisor, to be appointed by the Promoter, who shall decide upon the dispute and whose decision shall be final and binding upon the Promoter and the competition winner.

Where the winner has a joint mortgage and/or rent, the Promoter will pay an amount calculated upon the full amount of the monthly payment due, and not just the winner’s share.

In the event that the winner’s monthly payments increase at any time, subject to the Promoter’s discretion, the Promoter shall have no obligation to make any additional payments to cover any such increase. The Promoter’s decision is final.

For the avoidance of doubt, the prize excludes any associated costs and expenses which may be incurred by the winner or which are related to the winner’s mortgage or rent. The mortgage payments and/or rent payments will be paid by cheque made out in the name of the winner only. Failure to provide an address for delivery may result in forfeiture of the mortgage payments and/or rent payments. Other restrictions may apply.