I’m sure the Motability payments weren’t on my credit report when I had my previous car from them back in 2015. The VW/Skoda finance ones certainly are, hence the problem!.
It’s just so annoying, my credit score went down the toilet after my ex walked out on us. Only after getting a divorce did it start to recover.
Please excuse spelling/typos. Apart from being a clot it turns out I had one on my cerebellum that's now causing various problems!