I can’t see how your age, lack of higher education and choice of MCC provider is stopping you getting an interview.
It seems maybe it’s your lack of contacts within the industry, it really is everything, more so when you are that little bit older.
With all due respect you mention you only want to fly a jet, that’s fair enough but again you’re severely limiting your options. I really don’t see how paying more money for a more expensive MCC is going to increase your chances of a break. When you finally do get on line with an airline you’ll see the MCC is a mere box ticking exercise. Albeit an enjoyable one.
Having been a similar age to yourself when finishing training the only advice I’d offer is get out there and get involved in the industry and make contacts. You are only 36, had you been 46 then I’d be slightly concerned. However, you still have time to make contacts and get a break. Be that getting an FI rating or getting a job with an airline in any role that will see you working with people that are well placed to help you.
All the best with whatever you decide to do. Give me a shout through PM if you have any questions.