Irresponsible lending claim time frames

[Mrreese6018]

Hi,

What are the time frames to make a claim for irresponsible lending, it was car finance started in 2013 and ended in December 2016,

I have had my claim kicked out by the company because they saying time barred eventually after over 8 weeks for them to reply

Yet im stilling feeling the pain of this on my credit file, can they have it both way? Time bar what benefits them and not time bar what benefits them


thank you in advance