Whoah there!! Hang on a minute. Multiflight, for one, do an ab initio to ATPL integrated course for £29,050, as advertised on this very site.
Modular courses should not cost £40,000. If you are paying any more than that then you are getting seriously ripped off.
The most expensive 'single module' of a modular course is the PPL and the 150 hours needed to commence training. Get that as soon as you can but remember, if you shop around you can find a good PPL course at a reasonable price. Anything more than £5-6,000 and again you're been taken for a ride.
Good luck.