was successful in my irresponsible lending complaint, how long for negative impact on my credit file to be removed?

So I've been successful at ombudsman for a complaint about a irresponsible lending with a car finance company, I am currently in 2 month arrears as well, which has been added to my credit file.

I'm wondering once the ombudsman turn their provisional decision into a full decision, how long will it take for this negative impact on my credit file to be removed? the ombudsman specifically said it must be removed from my credit file. I'm looking to finance a much cheaper car, but i won't be able to get a good deal with this negative impact still on my credit file. what if anything can i do to speed it up? I was paying £665 a month for this hyundai ioniq 6 car, whereas the MG4 i'm looking at is so much cheaper, more than half the value of the ioniq 6.

thanks

Posted Sep 13, 2025, 10:56 PM UTC

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