So you entered into the transaction in January and only took delivery of it recently due to various delays.
The engineer highlighted the issue with the clutch and took the other photos you've attached, however, he didn't spot any sign of repairs (it was the person changing the lightbulb that did). You had the lightbulb changed whilst waiting for the engineer's report, which once you had received, you tried to exercise your right to reject the vehicle and stopped driving it.
That's my interpretation of the above.
What you can and can't do will depend on the agreement, the finance company may afford you greater privileges than you would have otherwise. There's bound to be something on distant selling, consumer rights etc that may address this too.
If seriously worried I'd get a solicitor involved rather than this forum. For what it's worth, a relative of mine did this after spotting a bad repair job after buying the car from a private seller and he was able to get a fair bit of money back on the purchase.