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"No statutory requirement [for] solicitors to explain the terms as set out in the contract, other than the obligations set out in the SRA handbook" -
Client : "Sorry, Mr Solicitor, I don't understand what you're charging me ? Could you explain it please ?"
Solicitor : "Certainly, Mr Client - here's the SRA Handbook - it's all in there, good luck."
Client : "And what is this A-T-E premium ? Why do I have to pay that ?"
Solicitor : "Oh, we must have that, Mr Client. But don't worry - I'm not allowed to make a claim on it."

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