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Well if that's the case the dealership has some explaining to do.
Have you contacted the financial institution who the loan is through? See what they have to say.
But I have heard of some crooked dealers doing stuff like this. Was this a Chevrolet Dealership? Get Chevrolet involved as well. If this was some used car lot "we hold the titles" type of joint you might be screwed and I bet they don't give back your down payment. They'll use that as "rental" fee. I've seen people get taken like this before.
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