Generally, anything over 10 is considered a positive result and means that some blood has been found in the stool, but that doesn't necessarily mean it's cancer or anything else serious. Lots of things can cause blood in the stool from hemorrhoids to cancer and many things in between - polyps, Crohn's, ulcerative colitis, diverticulitis, a fissure, an infection...

From what I've read, I think about one in ten positive FIT results are cancer and honestly, it's best to get the colonoscopy if only to reassure yourself that it is not anything serious. Also, the colonoscopy is not only for cancer. If you have a polyp, it should be removed because there is a slight chance it could develop into cancer in the future and if you have ulcerative colitis or Crohn's or diverticulitis, you want to know about that so it can be treated too.

Even if they find hemorrhoids, they will probably band them to prevent them from causing you any more problems.

The colonoscopy is not a very nice procedure, but it's not that bad and it will allow them not only to find out if you have cancer (which you probably don't) but also what is causing your change in bowel habits and may also remove any polyps and thereby greatly reduce the chance of you getting bowel cancer in the future.

I'd guess they be more likely to refer you than to refer somebody who got the same result through a routine screening as you did also have some symptoms and that increases the chance there is something amiss. Again not necessarily cancer, but something that should be investigated.