The lady Visa Agent I deal with tells me the majority of her client’s come from U.K. Many, as you rightly say, receive State Pension only, having no available savings. She has English people bringing her correspondence they have received from U.K. and ask her to read and explain it to them because they have literacy problems. She can assist in obtaining Visa’s in other Countries plus the usual translation, legal advice, house purchase, travel agency and taxi booking services. Very useful person to know!