SOE has fixed the problem I reported that hit players who downgraded from subscriber to non-subscriber leaving only characters visible to which they had no access.
There is a Shop Now button in the centre of the log on screen. It offers a pared down version of the cash shop. You can buy character classes, race packs (of 3 races), silver membership, and additional character slots.
It's a sensible fix to the issue. Good job, SOE.