Payment

We accept VISA, MASTERCARD and AMERICAN EXPRESS 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: 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
(Note: When using direct payment from overseas, all bank charges are for buyer's account.)

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: £1.60 if value of stamps under £100. £3.50 if value £101-£500. £7.00 if value over £500
EUROPE (inc Eire): £2.35 if value of stamps under £100. Otherwise £7.00 (Insured)
OUTSIDE EUROPE (Australia, Canada, Japan, NZ, USA): £2.95 if value of stamps under £80. Or £7.50 (Insured)
OUTSIDE EUROPE (All other countries): £3.50 if value of stamps under £80. Or £9.50 (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 - approx 45% of SG catalogue prices with a 45p minimum per stamp. Every month, stamps in our Buy/Bid Sale are further reduced in price by about 10% in every following month's sale, until they have gone. Also, note that any stock-listed stamps priced at £10 or more can be bid upon (minimum 80%).

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.