In my case this is what happened, I bought the gun all fine and good, asked for the total cost. The total he gave me was $75 more than the gun. I just made a comment that $75 was a bit steep for shipping & Insurance. The seller then said that the shipping & Insurance was $50, but his FFL is charging him $25 to handle the transfer. I told him that you don't need to go thru a FFL to send a gun to another FFL. Dead silence (I think he might be mad at me!). I sent the $$ he requested and let the issue drop.
Talked to a guy at work and he stated that you must send from one FFL to another, thus my question.
I sometimes wonder if some of these FFL's don't take advantage of a persons lack of knowledge.
Anyway, my friend at work now believes me.
Best!
Greg