Wania, I'm 12 years older than you and I still get unexpected bleeding with HRT. The longer the gap before bleeding, the more clots and really thick blood I'll get. I'm on the continuous "no bleed" treatment called tibolone.
I've been seen once by Gynae for a normal scan, but the GP wasn't happy to get me discharged back immediately with no answers or suggestions, so she put me back on the Gynae waiting list immediately, in 2023, and I've been waiting ever since, I occasionally phone to check my progress on the list.
I'm just trying to reassure you it's very common. I just googled colposcopy and is it a smear test? Maybe the "fast track referral to clinic" is for a different appointment with a hospital consultant who looks at more than just your cervix?
When bleeding occurs unexpectedly, it seems to worry the GPs, but not the consultants. I was told by the gynae consultant who runs the menopause clinic around here that their most common complaint is women bleeding when they aren't supposed to.
The real problem is the lack of research, but that's another thread, lol.
I'd really emphasise to them that you think you are past menopause, they might not have been listening and assume a 43 yo won't be past menopause yet.