So basically , it won´t be any problems for that person? Just be honest with the CAA, let them know you had 145 hours when you started due to some reasons, and they will issue your licence straigh away with no problems?
JLMF; at whom is this question aimed? If it is me then I am torn between two options, given that she is where she is:
Option 1. If they are to go by the book; the candidate failed to complete the course as required. Ergo, no CPL, no IR, start again.
Option 2. Come to a compromise which could involve any number of sanctions.
Either is distasteful and could have been avoided from the outset by considered regulation.
As BillieBob mentioned, the FTO should not embark on training someone who lacks the prerequisites. So sue the FTO..? Difficult enough in the UK, let alone Florida (the OP's location). Will the CAA help you? They did, after all, nominate this FTO as acceptable to train the CPL course to a syllabus.
You are training to be a professional. However, you are not yet the professional that you
pay the FTO to make of you. They are there to guide you and tell you when you are being a pillock. This includes checking your logged hours from the outset.
So, JLMF, what would you do? Who do you feel is responsible? Should this candidate forfeit her exams., CPL pass and IR pass because an administrative error occurred under the aegis of the CAA?