Hi Jonathan-
Is your clear gloss coat enamel or acrylic? If it's an enamel, that is the problem. You want to use an acrylic clear coat if you're going to be using a solvent based wash. Using an enamel wash over an enamel clear coat generally results in bad things happening. The acrylic coat will act as a barrier to a solvent based wash.
You didn't specify what sort of base the Humbrol clear coat was, but from the problem you described it sounds as if it was an enamel and the solvent in your wash is reacting with and lifting it.