Fitting in work around the Access course can be tricky. I've heard people on TSR say they worked f/t while doing it - having been doing a course where I needed to be in college four days a week, I find it hard to understand how that was physically possible. However, I guess courses may well be structured very differently at different institutions, so perhaps it was possible for them. I was in the comfortable position where I didn't need to work this year, but while I understand that many people will need to do some paid work to keep afloat, working f/t while doing a 1yr Access course is not something I'd recommend!
I think the organisation (or lack thereof) part is something you'll have to learn to cope with. I had various troubles with my Advanced 24+ loan due, basically, to disorganisation on the part of my college. The important thing, though, is that now I've finished the course, I've got what I need out of it as I start uni - all those niggles I had along the way aren't significant now. Grin and bear it with the organisational issues that bug you - I guarantee you'll have more of them, but don't let them get in the way of your achieving your goals. Nothing wrong with having a good moan about it as well, though!