Yes I have, and I reckon to get to CPL level has cost me in the order of £70k; not sure where you got the figure of £30k.
There's no work for low-houred CPL(H) pilots in the UK. You need either an IR(H) which will cost around £45k or FI(H) which, after the hour building to 250 hours, will cost around £10k.
You will not get a loan unless it is secured on property (either yours or your parents' house(s)). There are some small grants available from GAPAN, Air League and Dennis Kenyon but you may be too old for the latter.
My advice would be to read the Rotorheads forum.
Cheers
Whirls