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need help- go through clearing or finish uni when 25!

Hi guys sorry if the thread title is a bit unclear.

Basically i started at uni (bournemouth uni) when i was19 and did accounting and finance and passed my first year. Didnt really enjoy the course so i switched to business studies (with placement year) which is a four year course and i failed this year.

My options now are to restart this course which is another 4 years at uni or go through clearing and try and do a 3 year course somewhere.

My questions are; is it worth just staying in bournemouth uni? (i know i can pass i just didnt try at all this year)

Can i use my first year pass in acc and fin to transfer to a different uni that offers the same course and finish off the two years there? (through clearing)

Thanks for any help guys!