First question:
- I have 150k gold on char1 and 150k on char2 and I have no subscription at all, will I be able to buy token for 280k~?

Second question:
- I don't have subsciption and I bought 1 token on someone's topic, how he will deliver this token to me?

1. If the gold is on the same server+faction then you could open a ticket to get 24 hours of playtime to redeem the gold. Just explain the gold is on 2 separate characters and would need to be combined.
2. Same as 1., you could open a ticket to get temporary game time, and tell the GM you have a friend who is giving you a token.