The samaritans do email - its not counselling but is someone to bounce stuff off.
There are loads of free counselling services, I work for a womens centre and an alcohol service for free - there may be a waiting list but sounds like you've been carrying this for a while so you may be prepared to wait.
Also some counsellors do a reduced fee negotiated with what you can afford (I do this for students studying counselling).
And also £40 is fairly standard for the south-east but it is getting increasingly competitive and you should be able to find someone for £25.
Hope this helps