We are getting this message when trying to checkout

Whoops! Sorry, but you are not allowed to perform the action requested.
You are still logged in to your account and may continue shopping. Please choose a destination from a menu.

fast and easy checkout is installed
stock with attributes is installed
zencart 1.3.9a

When putting an item in the basket then trying to cowoa, after filling in the customer information, we get the above error message.

We turned off FEC but when trying to checkout the same thing is happening.


If I create a new account and am logged, I add an item to the cart and can finish checkout.

If I'm not logged and I add an item to the cart then go to log into my account I get the above error message.

Please, any ideas?

There are no error logs being generated.

I have been looking through similar threads all afternoon and haven't found a solution.