That's just it. I made an offer of £150 on something that was on sale for £167.48 (or whatever it was), little realising that my offer would actually be rather lower than that and bordering on risible. Now if I want to make sensible offers on stuff, I have to calculate what the offer will be with a 75p flat fee and 4% of the value (up to £300, then 3% on any part of the value over £400) subtracted from it. eBay seems to have made this rather more unwieldy than buying or selling secondhand stuff needs to be. And does the BPF cover anything which is not already covered by distance selling regulations?