How long to clear?

I recently applied for 2 car loans and was approved, but at silly rates so I did not take them.  I then thought I'd switch tack and put my only 2k of debt onto a 0% balance transfer card - I usually have them throwing credit cards at me, but it was point blank refused!  After investigation, it turned out my ex husband ran up debt with hmrc in both our names, and we still had a joint account for shared parenting funds.  The debt has apparently now been officially wholly transferred to him, and the joint account shut down - how long will this take to clear from my 'record' for lenders?  And will a credit card refusal ruin things?  I had a VERY good history up to all this and REALLY need a new car!?

Thanks for any help


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