“Snots” is a widely accepted term for them, and can be a problem with partial-fill insulation as you need a 50mm ventilation gap. However, pumped in, after market insulation is not the same stuff and is designed not to transmit water by capillary action (see Rockwool blown insulate). “Snots” should not prevent the installation of blown insulation, unless they regularly close off the cavity, which I find pretty unlikely.
Make sure they do under and above the windows as these are often areas that are missed resulting in cold spots.
I would definitely get a second opinion for the walls.
£199 seems quite reasonable for the loft, depending on it’s size, of course, but it is pretty easy to do yourself; just make sure you wear gloves and a mask and abide by the manufacturer’s laying instructions (you usually lay the upper layer so the joints are at right-angles to the lower layer joints.