Payment

We accept VISA, MASTERCARD, MAESTRO, DINERS CLUB debit/credit cards. We do not charge a premium for card use. We require the card number, expiry date and the security code (the last 3 digits on the signature strip). Note for MAESTRO cards we also require the Issue number (if shown) or the "valid from" date. NOTE: Our e-mail is not secured so Card details should be split over two e-mails or more safely sent by telephone or normal mail. Card details are NOT kept on our computers.
CHEQUE or POSTAL ORDER: These should be made payable to Phil-Index. Cheques must be in sterling and drawn on a Bank in Great Britain. Sterling Bankers drafts are obviously acceptable.
DIRECT PAYMENT TO OUR BANK (BACS): Sort Code 09-01-27 Phil-Index a/c 38766714. Direct payment from overseas: BIC: ABBYGB2LXXX. IBAN: GB57ABBY09012738766714

STANDING CHARGE

Our Standing Charge is added to each despatch. This covers postage, packing, insurance and a contribution towards the catalogue. (We have no UK subscription charges). Please add it to the total order. The Standing Charges are as follows:

UK BUYERS: £1.40 if value of stamps under £100. £3.50 if value £101-£500. £6.00 if value over £500
EUROPE (inc Eire): £2.25 if value of stamps under £100. Otherwise £5.90 (Insured)
OUTSIDE EUROPE: £2.75 if value of stamps under £80. Or £6.90 (Insured)
BULKY LOTS: If package includes books, collections or bulky cover lots, postage will be added at cheapest rates

DISCOUNT

Please do not ask for discount. There is no discount, (not even to the Philatelic trade). Prices are kept to their barest minimum. Every month, stamps in our stocklists, of which we have most, are reduced in price. (Check this by comparing one month's stocklist with another). Also, as mentioned above, we reduce any unsold items in the Buy/Bid sale by about 10%, in the following month's sale, until they have gone.

GUARANTEE

Any item that does not bring complete satisfaction may be returned within a reasonable time (30 days from receiving the item) for full refund/credit. No reason is necessary. All stamps offered in our Sale and stocklists are, in our opinion, genuine in all respects. If a Certificate is required, an extension will be granted in all cases. Payment must be made to us first (fully refundable) but all certification expenses are for the prospective buyer's account, irrespective of the outcome of the certificate(s). We reserve the right to withdraw any item in the Buy/Bid sale.