Admiral refusing to remove cancellation marker on my name even tho I was scammed

I am a 21-year-old university student in England. In 2023, I was a victim of a "Ghost Broking" scam where an unauthorized broker set up an Admiral policy for me.

Admiral cancelled the policy in Sept 2023 but the broker told me it was cancelled by him so I’m not affected and the proceeded to block me( this should’ve been my red flag but I was young and didn’t know anything about the insurance world) and admiral placed a "Cancelled by Insurer" marker on my record. This has now caused a "chain reaction," leading to my current motorbike insurance being cancelled and making it impossible for me to find affordable cover to get to university.

The Conflict:

I have been in contact with Admiral’s Fraud Referrals team. They sent me an email stating:

1. They refuse to remove the marker, claiming it is "correct" on their records.

2. However, they explicitly stated they are "willing to offer a new policy" to me.

My Argument:

If they are willing to insure me again, they clearly do not believe I am a fraud risk. Keeping a fraud-related marker while clearing me for new business seems contradictory and punitive, especially under the FCA Consumer Duty rules regarding "unjustified detriment" to a vulnerable customer.

Current Status:

I have asked Admiral to confirm if their rejection is a Final Response Letter so I can go to the Financial Ombudsman Service (FOS) immediately, as their front-line staff are currently gatekeeping the complaints process and telling me I have to wait 8 weeks.

Questions:

1. Is Admiral legally allowed to maintain a fraud marker while simultaneously admitting I am insurable?

2. How can I force a "Final Response Letter" from them when the validation team refuses to escalate my call?

3. Are there specific FCA regulations I should cite beyond Consumer Duty to get this fast-tracked due to my transport crisis?