Here's a site with free character references. It's from Got3d - 3d Models and Textures. Each character is a high resolution, full body in front of a green screen, All sides are projected. There are also some free models made in light wave and 3Dmax that can be imported into Blender. Though the edge loops were a bit screwy but maybe that has something to do with the Blender import script.
To get the models go to the 3D Model Store and there you will see a list of models for sale. Under the "Static 3D Models Peoples" click on the picture. On the next page you'll see a link on the picture on the right side for the free model.
Free = "This texture is free to use in your projects or your personal texture library.You may NOT sell or publish this texture in part or in full."