<font color='#0000FF'>Excellent suggestions from Matt, the club environment with it's kit hire facilities is ideal for those on a tight budget - I started diving as a student with the Uni Branch so I can empathise.
Personally, I wouldn't splash your precious cash on an expensive DS course if there's a reasonable chance you'll Xover to BSAC later on, why not see if you can find a branch that will help you out with a DS Try-dive
See here to find a list of braches near you
As PADI OW you'll be considered OD equivalent and can get a SALT sticker for your QRB, consequently you don't have to do the OD work but expect to be given "crossover" work ie familiarisation with BSAC '88 tables, BSAC Branch & HQ structure, grades etc etc.
If you find a club who expects you to start from scratch, look for a different club as they would not be following BSAC guidelines re SALT procedures.
HTH
Steve
SALT info