Ref: TM/WK46/MDR/AA/20091104/188
THIS MORNING COMPETITION
Mortgage Heaven until 2011!
Competition entry:
Answer the question stated in “This Morning” (the ‘programme’). Eligible entrants will be entered into a draw to win a prize.
Opening/closing date & time:
· Competition opens for entries via PRTS, SMS, red button and online as stated in programme.
· Competition closes for entries via PRTS, SMS and red button at 2 p.m. as stated in programme.
· Entry via the www.itv.com website is open for at least 3 working days after the programme.
Draw date: as stated in the programme.
Method & cost of entry:
· PRTS - call 09012 93 33 33and follow instructions; up to 5 entries per phone number. Each call costs £1.00 from BT landlines. Calls from other networks may be higher and from mobiles will be considerably more.
· SMS text – to 83336with A, B or C; 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; up to 5 entries per phone number. Each red button entry costs £1.00.
· Online – go to www.itv.com and follow instructions; up to 5 entries per phone number. There is no charge for online entries.
There is no email or postal entry. Entries on behalf of another person are void. Entries over the maximum number of entries for each method of entry and which are incomplete, inaudible, incomprehensible or received after the closing time will not be entered into the competition but may still be charged.
Prize:
The first correct entry drawn at random from all eligible entries will win the prize. The prize is a cheque for £10,000 (ten thousand pounds sterling) payable in the name of the entrant only and delivered within 28 days of winner confirmation. In addition, the prize includes payment of the winner’s mortgage or rent on their main UK residence until 31 January 2011 up to the value of £25,000 (twenty five thousand pounds sterling) 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.
The winner’s payment to be paid by the Promoter will be equivalent to monthly payments calculated by reference to the current monthly payment being paid by the winner, and will include the following elements:
a) repayments of the capital sum; and/or
b) interest charges on the mortgage loan; and/or
c) payment of premiums due in respect of an endowment or similar insurance policy directly linked to the mortgage; or
d) the monthly rent payment as specified in the winner’s tenancy agreement. Where payments are weekly, the Promoter will make an appropriate re-calculation.
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 mortgage payments and/or rent payments must be for the winner’s main UK residence.
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 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.
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. The mortgage payment will be paid by cheque made out in the name of the entrant only, and sent to the winner’s home address. The Promoter endeavours to deliver the cheque to the winner within 28 days of winner confirmation. Failure to provide an address for delivery may result in forfeiture of the mortgage payment. Other restrictions may apply.
General
There are no alternative prizes and the prize is non-changeable, non-transferable and excludes any additional costs and expenses.The Promoter is not liable for any costs, liabilities, damages or losses incurred by the winner in taking up the prize. The Promoter endeavours to deliver the prize within 28 days of winner confirmation, i.e. the date that the Promoter has managed to contact the winner and received confirmation of eligibility. The winner must be aged 18 years or over at the time of entering the competition, and may be required to provide proof of age and eligibility. The Promoter will only pass an entrant’s data to third parties for marketing purposes if that entrant has asked to receive marketing information from those third parties. The winner may be required to participate in publicity.
The winner will be contacted as soon as practicable on or after the competition draw date on the phone number they provided when entering the competition. The Promoter will not amend contact information provided once entry to the competition has been made. Reasonable efforts will be made to contact a winner. If they cannot be contacted or fail to provide an address for delivery or fail to meet the eligibility requirements as set out in the general competition terms and conditions, and elsewhere as applicable, or are otherwise unable to comply with these terms this may result in forfeiture of the prize and the Promoter reserves the right to offer the prize to the next correct entry drawn at random from all eligible entries.
General Competition Terms and Conditions apply. Please go to www.itv.com/terms for further information and general competition terms and conditions
