Unfortunately, there isn't really such a thing as a free lunch, which tastes good. And being in the UK doesn't prohibit you from purchasing stuff over seas - for example, I bought "ultimate unwrap 3d" for $35 USD ...
My suggested route would be the following:
Wings3D - www.wings3d.com - FREE
lithunwrap - www.google.com - FREE
CharacterFX - www.insanesoftware.de - $15
You could possibly skip CFX and hope that some nice person on the forum will animate your models for you. Just get through the first two steps first before you splash out on paid software - become a good modeller/skinner then worry about animation...

I think the taxis are bulletproof