I may have miss understood the costs here, but I have costed things up and i can get a ME CPL / ME IR / MMC for £12,000 by going to the USA and Spain.
Add £2,500 for the ATPL, and maybe around £3,000 for the hour building.
Thats around £17,000 for doing it modular, all rough figures and dont include accomodation (shouldnt be much 4 months max)
Definately can be done for less than £20,000.
I would find it really hard to spend £60k going down the modular route, unless I was to do all the training in the UK, which I would never do.