ACARS
On what you've said I wouldn't have lent you the money either. Bank managers like to see regular savings - it means you're capable of putting money aside to pay them back.
Got to agree with Granddad Flyer here. If you can't afford a share in an aircraft then to keep current a club will expect you to fly probably once a month. If you take the quick fix of getting a loan for the PPL you then have to pay that off PLUS pay out to stay current.
If you're on 50K combined but have no savings then, in all honesty, do you REALISTICALLY think you'll be able to put enough aside to fly in addition to your other commitments (I'm on less but I manage to fly, having a share in an aircraft). You can't even put your flying on your credit card as it's at its hilt. If you want it that much you hve to be brutal and say to yourself "Where is the money going. Where is it being frittered away".
You've mentioned elsewhere that you wouldn't mind becoming an ATCO - maybe it wouldn't be a bad idea in channeling your thoughts towards that first - you never know, you might get it and get the CAA to pay for your first 15 hours.
My advice to you would be this - if you can afford to save for your PPL you'll be able to afford to keep it current, but if you can't.........
Sorry to sound so brutal - but that's the realities of life.
CM