My dad left £1,442 of old stamps when he died - but Royal Mail won't give me the cash: SALLY SORTS IT
I contacted Royal Mail to ask if they could be cashed in as we are never going to use so many stamps.
I was advised to post them with a Swap Out form because they were not bar-coded, include a Grant of Probate certificate, and request a cash value rather than replacement stamps.
I added a note to the form indicating I did not wish to 'swap out' but wished the cash value instead.
Royal Mail simply replaced them with newer bar-coded stamps and will not budge.
K.W., Ross-on-Wye, Herefordshire.
Sally Hamilton replies: You were furious when Royal Mail delivered the response that it would not let you cash in the stamps.
You have no use for so many stamps and could do with the money to meet bills owed by your father's estate.
As stamps are not legal tender, they cannot be used to pay official bills – though some individuals might accept them if you owe them money.
In an age of email and WhatsApp, I can appreciate your frustration at sitting on a pile of postage stamps, ranging from 152 x 1p stamps and 114 x 2p stamps, to the handier 1st and 2nd class items.
I suggested it might be easiest to share them between beneficiaries or relatives and friends. But you said the two beneficiaries of the estate are pensioners, including yourself, who send just a couple of Christmas cards a year.
Although I use post quite often, when I purchased a pack each of first and second class stamps last week, the teller even exclaimed at the extortionate £13.46 price tag.
Anyway, your complaint to Royal Mail customer services was essentially returned to sender with confirmation it could not exchange your stamps for cash.
You felt particularly sore as the £19.55 you paid to send the stash of outdated postage by secure delivery to the swap out service was refunded in the form of stamps (aargh).
When you escalated matters to the Postal Review Panel, which oversees gripes the Royal Mail doesn't resolve itself, it simply referred unhelpfully to the fact it could not 'make changes to the terms and conditions of any Royal Mail product or service'.
Scam Watch
TSB customers should beware a scam text from fraudsters purporting to be from the bank, consumer website Which? warns.
The message appears on your phone as being from 'TSB', but scammers have spoofed its sender ID, meaning it appears to be a legitimate text from the bank.
The text claims your 'internet banking phone numbers were changed' and to call the number in the message to cancel this change.
Do not call this number, as it will put you through to a fraudster who will try to steal your personal and financial information.
Instead, forward suspicious texts to 7726, so they can be reported.
Since the message wasn't getting through to customer service, you came to me. You had read, in December 2023, about a reader who had purchased too many stamps in error from her local post office but on my intervention was permitted to return half of them to Royal Mail for cash.
Although your position was not the same (in that case the customer had receipts to show for her barcoded stamps), I thought Royal Mail might show some leniency. But I'm afraid I could not persuade Royal Mail to budge.
It said your position with the older stamps was different to the previous case and responded with a firm 'no', stating 'the swap out scheme is designed to offer replacements for invalid stamps, but it does not include a monetary refund option'.
A Royal Mail spokesman said: 'We are very sorry to hear about the passing of her father. While we appreciate this has been a challenging period, we would like to clarify that our policy does not allow for cash refunds on unused, non-barcoded stamps.
'Based on this, she was directed to our swap out scheme, which enables customers to exchange old stamps for valid replacements.'
Options for your stamps are to either sell or give them away. Selling is legal, though sellers should expect to offer a discount.
There are also specialist traders. One I found online was offering 99p for a £1.70 first class stamp.
Giving away unused stamps to charity is useful for estates wanting to reduce an inheritance tax liability, as charitable gifts of assets, including stamps, are tax-free.
Specialist firm Xchange Master works with charities, including the RNIB, to convert stamps into funds for use by the charities, and says the organisations usually receive most of the stamps' face value.
Holiday cottage plumbing fail
Earlier this year I was diagnosed with prostate cancer and underwent surgery which was successful but left me with urinary problems.
My wife and I decided to book a short break but because of my condition deliberately chose a place with separate bedrooms and two toilets.
We booked one in Whitstable through Sykes Cottages that advertised two bedrooms and two bathrooms, and paid £439.
The holiday was due to start on June 3 but a few days before Sykes told us one of the toilets was out of order.
There was no indication when it would be repaired as the plumber was waiting for parts.
I replied that because of my medical issue this was not acceptable and asked for a refund. This was refused.
A.M., Bromley, Kent.
Sally Hamilton replies: You were not pleased to receive an email from Sykes stating the company judged 'one toilet to be a reasonable solution for your party of two guests'.
Quite the contrary. You had gone out of your way to find accommodation with two loos and repeatedly explained this when you complained.
Sykes pointed to its cancellation policy which says late cancellation will result in forfeiture of the full amount.
Normal rules should not apply, I believe, as the cancellation was prompted by the property not being as advertised.
The Consumer Rights Act 2015 says holidaymakers are entitled to the accommodation promised and as described. On my intervention, Sykes immediately agreed to refund you.
A spokesman for Sykes Holiday Cottages says: 'We understand A.M.'s reasons for wanting to cancel his booking and are sorry to hear of his experience.
'A payment to cover the cost of the holiday has now been paid and we have been in touch to confirm this with him.'
Straight to the point
My wife, daughter and I went to the AO Arena in Manchester in December to watch Les Miserables.
We arrived early so had something to eat, but when we arrived at the venue later we were shocked to see the show had already started.
In the interval we found out many other people were also late. The head of guest experience at the arena confirmed wrong information had been advertised.
My ticket had the correct time but the website showed the wrong time.
C.N., via email.
You have now had a full refund.
***
Three years ago I had solar panels installed for £14,500 but in April they stopped working after a power cut.
I had a 12-year warranty with the company that made the panels so I contacted it.
But three months later it still hasn't sent out the inverter part I need, which costs about £600.
Nobody answers the phone when I call and I only get messages saying the part will arrive 'soon'.
S.H., Yorkshire.
The manufacturer apologises. The inverter has now arrived and you have been given a £300 Amazon voucher as a goodwill gesture.
***
I tried to close my broadband account, but the provider said there was an 'issue' so couldn't close it.
I cancelled my direct debit then got a letter which said my service would be cut off. I called to settle the remaining balance – £296 – but was told again my account couldn't be closed.
Last month, I got a letter stating my account had been handed to a debt collector.
The company backed down and said it would wipe off my debts, but I've now been rejected for a mortgage.
B.S., via email.
Your account is now closed, the debt has been waived and credit agencies have removed this incident from your record.
Write to Sally Hamilton at Sally Sorts It, Money Mail, Northcliffe House, 2 Derry Street, London W8 5TT or email sally@dailymail.co.uk — include phone number, address and a note addressed to the offending organisation giving them permission to talk to Sally Hamilton. Please do not send original documents as we cannot take responsibility for them. No legal responsibility can be accepted by the Daily Mail for answers given.
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