Flights and accom weren't included in that £20k? Did you train at 43? Where did you convert?
No I did not train with 43 and working with a exchange rate of 1 to approx 13 and 600 pounds for a plane ticket than you will more or less get to 20000 pounds. Do a google search for schools in South Africa. R220 000.00 to R240 000.00 is about what it cost in SA to go from 0-CPL.
Accomodation included.
To convert , there is many schools in the UK that will do it.
PM me and I will give you my training ''plan''
Cheers
GgW