TheTank,
I would say that with 15-20k you wont be able to get full training even in Canada (forget about JAA convesions, this will cost you no lees than 15k if all done in UK).
You could probably get FAA PPL, IR/ME and CPL for about 25k with today exchange rate and go try to get a job somwhere in Africa for sometime, but if you want to stay/work in UK/EU all this is going to cost you much more. (I would say about 40-45k)
Good luck