english reading & speaking proficiency is now ( since april 2011 ) mandatory for a Tourist visa to UK / Schengen [ senior citizens / retired employees visiting extended family - kin -sibling are exempted ] - bank statement with 'abrupt' high volume transactions are 'RED' in addition to that the bank's statements are verified from respective banks & CIB [ Credit Information Bureau ] of State Bank of Pakistan.
so if you are are unable to sort out your own paper work and compile documents in a bunch I assure you, time & visa fee is total waste@ahmed36 - tour operators compiliing papers for applicant are very much identified by the ' Visa section Inspectors '