Unfortunately there is no way to get those years refunded and with 2 years previous study there is no way to get SFW to fund those years.
You could look into a Career Development Loan (Barclays and the Co-op do them) however, they are usually for courses lasting up to 2 years and the repayments start immediately after your course finishes (within those 2 years), and are notoriously difficult to get approved.
Another option is to ask your university if you could pay by installments and get a job during your first year.