Don't mistake the actual licence issue cost for the whole training cost!
Yes, you can start with an NPPL and then convert it to a JAR-FCL PPL if, after obtaining your NPPL(SEP) you obtain at least a JAA Class II medical, complete the additional dual training requirements and pass the JAR-FCL PPL Skill Test. Then you'll also have to pay the JAR-FCL PPL issue fee (for 5 years, whereas the NPPL is for life)......