How right you are. Have you read the letter from a FN, in the Herald yesterday I have posted it on (I think Visa thread)
This has been discussed at great length in a specific thread here:
http://www.holidaytruths.co.uk/viewtopic.php?t=102881
Fiona the mod has also set up a new thread to discuss agents who will arrange visas for you - here:
http://www.holidaytruths.co.uk/viewtopic.php?t=108064
Experiences of visits to various visa surgeries (as well as general visa Q&As) can be found here:
http://www.holidaytruths.co.uk/viewtopic.php?t=59848&start=1160
Polly
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