Thundercat,
As a fellow wannabe, this is my advice to you. There is an enormous amount of info and 'propaganda', and its hard to find the best deal. As far as Integrated courses are concerned, i don't think they are as 'hot' as they used to be. The new thing is type ratings, i don't personally believe that we should have to pay for them but a lot of people seem to be folowing this route. People prefer to go modular and spend the savings on a type rating. The airlines that prefer to recruit Integrated graduates are not recruiting and will not be in the near future. Those that are doing the bulk of the recruitment prefer typerated pilots.
It is possible to do a modular atpl with £25K, here's a quick breakdown based on minima:
Medical £500
PPL in US £3000
ATPL Ground £3000
night £500
100Hrs PIC (US) £4000
MEP £1500
MEIR(Spain) £5500
CPL(spain) £2000
TOTAL £20000
You'll save about £20k on WMU. WMU is one of the top FAA training institutions and an all-around reputable school but i won't risk £40k on their JAA side based on recent history.