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  • Terms and conditions for Christmas 2020 prize draw


    • The Oakam Christmas prize draw 2020 competition is open for Oakam customers that have been directly contacted by email or SMS about the promotional programme.
    • All entrants must be registered users of Oakam and have at least one active loan with us.
    • All entrants must make one full or partial payment on their outstanding arrears balance on week commencing the 21st December until 31st December 2020.
    • All entrants must be 18 or over.
    • The competition runs from week commencing the 21st December until 31st December 2020.
    • Winner will be announced no more than one week after the prize draw close date.
    • Oakam reserves the right to terminate the promotion at any time. If the promotion is terminated, suitable notice will be provided to participants.


    • Winner’s first name may be published on the Oakam website
    • The prize will be paid out in Amazon vouchers using the winner’s email address.

    How to enter

    • Make at least one partial or full payment of arrears either via the Oakam mobile app or via the telephone to an Oakam representative starting week commencing the 21st December until 31st December 2020

    Free route to enter:

    • Send application by post to the following address “Oakam Limited, Sunley House, Bedford Park, Croydon, CR0 2AP
    • Application should include your full name, email address, phone number and needs to show proof of payment.
    • Postal entries must be received no later than 31.12.2020


    • The prize is £100 Amazon vouchers
    • No purchase necessary


    • Winner will be randomly selected from those who make a full or partial payment via the app or over the phone within the competition dates.
    • Winner will be contacted via phone call, SMS or Email and instructed on how to claim their prize.
    • Winner will be contacted no later than one full week after the competition close date.