Terms & Conditions

  1. The Promoter of this prize draw is Carrington Dean Limited of 76 Renfield St, Glasgow G2 1NQ.
  2. The prize draw is open to all UK residents aged 18 years except employees of the Promoter, their families, agents or any third party directly associated with administration of the prize draw.
  3. Existing customers of the Promoter who are subject to a Trust Deed or Debt Arrangement Scheme (in Scotland) will be automatically entered in to the prize draw.
  4. The prize draw is free to enter and entrants are not required to enter in to any arrangement with the Promoter.
  5. Individuals who are not existing customers of the Promoter will be entered in to the prize draw upon satisfactorily completing in full the Promoter’s debt advice application form and upon having an initial entry/Personal details verification call and opting in to the prize draw on the Promoter’s website www.carringtondean.com. The information contained in the Application Form must be true in all material respects for an individual to be entitled to entry in to the prize draw and only one entry per person is permitted. The Promoter’s decision whether the Application Form has been satisfactorily completed in full shall be final and binding and no correspondence will be entered into about it. Individuals do not need to qualify for any product provided by the Promoter in order to be entered in to the prize draw.
  6. The opening date for entries is 9am on 21st January 2019 the closing date of the prize draw is 12 am on 31 July 2019. Entries received after this time will not be considered.
  7. If for any reason a technical interruption, fault or site failure occurs when applying online, the Promoter does not take any responsibility for incomplete applications and any incomplete applications will not be considered valid for entry into the prize draw. The Promoter accepts no responsibility for any applications which are not completed for any reason.
  8. A winner will be chosen by random draw performed by a computer process on 09 August 2019.
  9. The winner will receive an amount equal to the total value of unsecured debts contained on the Application Form submitted to the Promoter when entering the prize draw or, in the case of existing customers, the total value of their unsecured debts upon entering in to their Trust Deed or Debt Arrangement Scheme (in Scotland).
  10. The Promoter shall be entitled to verify the validity of any unsecured debts contained on a winner’s Application Form by requesting copies of credit, loan, hire-purchase or other such agreements, statements of account, or other such vouching (the said list being indicative, not exhaustive).
  11. In the event that the winner is subject to an Trust Deed or Debt Arrangement Scheme (in Scotland) that is administered by the Promoter, the Promoter’s insolvency practitioners will be required to inform the winner’s creditors of the payment and may have to negotiate new terms with those creditors.
  12. In the event that the winner is subject to an Trust Deed or Debt Arrangement Scheme (in Scotland) that is administered by the Promoter, the Promoter may in the first instance apply the prize funds towards payment of that customer’s creditors up to a limit of the amount necessary to satisfy their debts plus any statutory interest and costs required to discharge the Trust Deed or Debt Arrangement Scheme.
  13. The winner will be notified by email or telephone (using details provided at entry) before 14th August 2019 and must provide a postal address to claim their prize. If a winner does not respond to the Promoter within 14 days of being notified by the Promoter, then the winner’s prize will be forfeited and the Promoter will be entitled to select another winner in accordance with the process described above.
  14. A winner who is not subject to an Trust Deed or Debt Arrangement Scheme (in Scotland) administered by the Promoter shall be required to carry out annual reviews of the winner’s financial position with the Promoter for a period of 5 years in order to claim their prize. The winner shall provide all information reasonably required by the Promoter to assess the winner’s finances and provide debt advice at these annual reviews. Failure to comply with this paragraph 14 shall result in the prize being repayable to the Promoter immediately.
  15. The prize will be sent to the winner by cheque by post and/or applied to their Trust Deed or Debt Arrangement Scheme (as applicable) within 5 days of the later of the winner notifying the Promoter that they wish to claim the prize and the Promoter receiving and being satisfied with the validity of the winner’s unsecured debts.
  16. The prize for the winner is non-transferable.
  17. The decision of the Promoter regarding any aspect of the prize draw is final and binding and no correspondence will be entered into about it.
  18. The Promoter reserves the right to disqualify any entries which it deems, at its sole discretion, to contravene the spirit of the promotion and any prize if awarded must be returned immediately. In particular, the Promoter may deny entry where it reasonably decides, based on the Application Form, that an entrant is not genuinely seeking debt advice.
  19. The winner’s name and county can be obtained by sending an email to customerservice@carringtondean.com within 14 days after the date of the closing date of the prize draw. These details will only be provided once a winner opts to claim the prize in accordance with paragraph 13 of these terms.
  20. Participants are deemed to have accepted and agreed to be bound by these terms and conditions upon entry. The Promoter reserves the right to refuse entry, or refuse to award the prize to anyone in breach of these terms and conditions.
  21. The Promoter reserves the right to hold void, cancel, suspend, or amend the promotion where it becomes necessary to do so.
  22. Winners may be required to participate in publicity related to the prize draw which may include the publication of their name and photograph in any media.
  23. The prize draw will be governed by Scots law and entrants to the prize draw agree to submit to the exclusive jurisdiction of the Scottish courts.


© 2019 Big Debt Payoff 2019 is sponsored by Carrington Dean Group Limited.
Authorised and regulated by the Financial Conduct Authority.
FCA No: 674395.Registered in Scotland, Company Registration No SC 225672. Registered Address: Regent House, 5th Floor, 76 Renfield Street, Glasgow, G2 1NQ.

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