Switching from Mphil to Phd

Hi anyone ever had any success using Gov sfe loans doing the first year of a Mphil and then switching to PhD. I’ve been told I’m not eligible for funding because they only see the PhD as 3 years as they don’t account for the first year of the Mphil becoming the first year of the PhD.

You won't be able to do this. While a University might allow someone to join and MPhil programme and then flip it to a PhD, that's unusual. Usually, you begin a PhD programme, and if you produce decent research, but not good enough for a PhD, the MPhil is the compensatory award.
You can't count work for 2 degrees, so the route you propose is a semantic play on words (which is why SFE take the line they do). You can't actually be awarded the MPhil if you progress to a PhD, because you can't use the same work for 2 degrees, you'd effectively be doing only 2 years of a PhD. Check with the course you are looking at, but I can't see anyway under the degree rules you can be awarded both degrees in 3 years.
You can use an MPhil to as the foundation for PhD work, but you still need to do a 3 year PhD on top.

Hi thank you for your reply
Yes I am aware that I can’t work towards both degrees. That isn’t what I’m trying to do, what my uni have said I can do is use the first year of my Mphil and because of the research/ data I found and want to continue change so that I’m now doing a phd and will complete the further 3 years. So at the end I will only be awarded the phd