G-MANN,
If you are planning to train under the FAA, then £15,000 may just about do it. If you are planning to qualify under JAA, then that sum sounds far, far too small.
I think you need to have access to about 50% more cash than you expect to spend, as you can fail exams and have to take them again or need more flying training than the minimum or both.
Don't underestimate the maths and physics element of JAA groundschool.
Don't listen too hard to the representatives of the FTOs and groundschools, they want bums on seats.
Don't listen too much to the encouragement of friends. Good friends always see it as their function to be encouraging; not always wisely.
Once you qualify, it may take years for you to get into commercial flying, and you will have to make a living and maintain your currency during this period.
Commercial flying isn't the well paid job it used to be. Look at the pay scales and think carefully whether you think it is worth the expense and effort. There are many more occupations that yield much more income without the outlay.
Above all, do plenty of desk research before you commit yourself and talk to people who have recently qualified.
On the positive side, you are still only 24 and can afford a mistake.
Good luck, Kid.
Broomstick