That's funny, I've been using the workaround as my standard method without even knowing you had a better chainloaded version in there. I'm not sure if I should feel like a genius or an idiot.
Both methods work, Its just quicker to use SaveMounter+FTP in PS-Phwoar!.
Run SaveMounter+FTP on PS4
Click Connect on SaveMounter PC app
Open FTP client on PC
VS
Run Bin Loader payload on PS4
Click Send Payload on SaveMounter PC APP
Exit browser on PS4
Open browser on PS4
Run FTP payload on PS4
Click Connect on SaveMounter PC app
Open FTP client on PC
Obviously the current payload in PS-Phwoar! is broken at the moment (credit to @huggybear69 for repoting this problem)
So for the time being you will have to use the fixed USB installer version of PS-Phwaor! I posted earlier, or continue to use the workaround method until I officially release the fix.