Project Specialist – Christmas Charity Raffle 2025

Description

There are 10 prizes in this Charity Raffle.  Each entry is in with the chance of winning one of the 10 prizes.  You are entering to win one of these fantastic prizes.  The Live prize draw will take place on Sunday 7th December with the winner for the 10th Prize announced first followed by 9th, 8th, 7th, 6th, 5th, 4th, 3rd, 2nd and then 1st.

There is one prize consisting of payment of the winner’s mortgage or rent on their main residence for a period of one year up to the maximum value of £12,000 (twelve thousand pounds) (“the mortgage payments and/or rent payments”), subject to the following terms and conditions.

The winner must have an existing mortgage in accordance with a valid written mortgage agreement in respect of their main residence or be paying rent in accordance with a valid written tenancy agreement in respect of a property 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 entering the Competition, and will include the following elements:

a) capital repayments; and/or

b) interest charges on the mortgage

c) 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 existing mortgage or rent payments paid by the winner for the three (3) months prior to the date of winner confirmation e.g. mortgage statements, bank statements, rent books, etc (“Required Evidence”). In the event that the winner: (i) provides the Required Evidence but these are not clearly identifiable from a mortgage agreement or tenancy agreement; or (ii) has moved between a mortgage and rental payments within the three (3) months prior to the winner confirmation date, 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: (i) is unable to provide the Promoter with the Required Evidence to the Promoter’s satisfaction; or (ii) has a mortgage or lease expiring less than two (2) years from the date of winner confirmation, the Promoter can award a sum of up to £6500 to the 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, the Promoter shall have no obligation to make any additional payments to cover any such increase.

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 winner.

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 BACS made out in the name of the winner only. Failure to provide bank account details may result in forfeiture of the mortgage payments and/or rent payments. Other restrictions may apply.

The BACS payment will be made in the name of the winner only within 28 days of the winner providing the Required Evidence.