You can certainly try the F&F route. It would be a shame for it to fail now.
Give your IP a ring and test the waters.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Yes - I absolutely think you could put forward that sort of offer now. Let us know what your IP advises, as he/she has a good working knowledge of your case and is better placed to advise fully.