Thank you for your trouble in replying.
I am actually aware of Google.
Perhaps I didn't make myself clear. I meet all the requirements for the three months visa, financial, medical (now) except for one. It was necessary to provide evidence of stay (sponsorship, family address etc., fully paid-up hotel booking etc.) for the full period.
This I am unable to do, although the situation could change fairly quickly after my arrival, as I am in the latter stages of purchasing a coastal apartment of some worth.
I merely wanted to consult an agent to see if there was a (legal) way around this and if I could obtain my retirement visa from within and on a tourist visa. I have had varying reports. I now have a couple of seemingly decent contacts from on here.
Otherwise, there would be no problem next time around.
On a general point, I have no objection to paying money to a reputable agent if it saves me time and trouble.