Supermick is right.
Tip no. 3. Allways keep your hand on the barrel when loading.
One week after receiveing my lovely used, spotless BSA Lightning .22 I 'brushed' the trigger whilst the gun was cocked. Apart from almost taking my eye out as is shot back up with an incredible force it cracked the stock in half (hair line) and damaged the barrel. This is no joke as a replacement barrel alone is £60 + from BSA. Never mind replacing an almost new stock with a brand new stock. It doesnt take Stephan Hawkins to work out that around £100+ is what a used (unscoped) Lightning goes for on here.
I was only lucky that BSA informed me the barrel only needed realigning i.e. re-positioning in the mechanism, and not straightening, that i saved my self the £60 for a new barrel.
Listen to Supermick.