Byline: Andrew Foxwell, Ed Rogers

A stunning red sun sinks into the horizon behind the crimson-dappledwaves of the Mediterranean. Hand-in-hand, the happy silver-haired couple looklovingly into each others eyes. This is the rather cliched promise ofretirement in Spain, Saga-style.

Not for our happy couple the nightmare of unending bureaucracy, legal problems,paperwork mountains and language difficulties when buying a property abroad.No. Saga would sort all that. After all, for the over-fifties, Saga is one ofthe most trusted brands around.

Remarkably, though, the company has risked its reputation for integrity and puta perfect money-making opportunity at risk by ...