Skywave, don't have all the details to hand, but the main difference I can see between our routes was I did the PPL in the USA while I was out there studying ($60 per hour including instructor). My hourbuilding was in a company aircraft (£66ph). I also did the CPL in Florida which only cost about £3500. Also, managed to avoid a retake of the CPL, and my MCC only cost £2000. Between them, these differences probably account for the £10k difference. Good luck with the TR.
Billiebob, don't know if your comment was directed at me as well, but have been in and out of the CTC holding pool so pretty much at the same place as skywave.
Cheers
PW