I had a problem with overheating under load (when accelerating uphill for example) on my old Focus and changing the thermostat fixed the problem for me.
I didn't have any obvious fan problems though - how do you know the fan is coming on when you're driving ? I doubt I'd have heard mine over the noise of the engine and other general road and wind noise.
Replacing the thermostat on my 1.8 Mk1 was a relatively easy and inexpensive job to do - the (Ford/Motorcraft) thermostat itself was around £14, plus the cost of the replacement coolant. The thermostat and housing was pretty accessible on my 1.8 - not sure how easy it is on the 1.6 I'm afraid.
I'm not saying it'll definitely solve your problem (there are other possible causes), but it's probably the cheapest place to start !
If you want more info on my particular issue, then search the forum for my username as I posted about it a few years ago.
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