So my original photographer emailed me back with a list of photographers she has worked with previously (and she has worked for in situations like this) and said that she will organise for a new photographer for us for the day.
Then my original photographer (Kate) will edit all the images to achieve the look we wanted, make Thank You cards from our chosen image and then also make us one of her custom albums (which I've always thought amazing, but at $6-900 not in our budget) as a thank you for being understanding about the situation.
So we've decided on Vanessa Norris http://vanessanorrisphotography.com/
for the day.
I just wanted to thank every one of you again for your help and ideas for wonderful photographers (man, seriously, can I have 4 people to photograph my wedding?) You made my job very hard to decide who to go with!