Eta: contacted car dealership this morning, they are going to refund my the $299 I didn't agree to. Good enough for me.

Went to car dealer. Got car. Signed paperwork, and didn't realize until I got home that the math wasn't right. Yes, I get that I'm supposed to know what going on. However they never told me I was paying for extras until after I signed the loan contract, then told me I didn't have a choice even though they were listed as optional on the paperwork.

Looked at my paperwork and realized they over charged me $1294 for the car in the total financed for the loan. I went back yesterday and they have me a piece of paperwork that they hadn't given me the day before with so all my other paperwork. It included the $299 for glass etching(for a used car), and $995 for ucc. I asked why they were listed as option because I didn't want them. They told they were expected and I had to have them even though they said optional. This was the dealer contract.

Here's the thing. The paper they gave me was a contract between myself and the dealership for the optional add ons they had charged me for, that I hadn't gotten the day before. This paper was not included anywhere in what they have me when I bought the car and walked out the door with all the paperwork. And I never signed it. He had though, the financing guy. Why would they give me a copy of a contract I never got for options I never agreed to that I never signed?

I want the car. But I want my money back that they took from me. Already left a message asking for my money back(to the car loan or whenever), or I'll call the bank and see if they can help me resolve the discrepancy.

Or if they don't want to resolve the issue I'll just tell the bank they were misleading on a very important piece of my loan application that will get the whole thing voided, if the lack of a signed agreement doesn't help me.

I want the car, but don't want to be taken advantage of, if I can help it. If I'm stuck with the loss, I'll deal with it. I want the car. I'm just mad because I already refused the extended warranty even after they told me they wouldn't see the car without it. Well they did and they got their kick back in the end, but not if I can help it.

So if I didn't with the contract with the dealer for the added optional fees, what chance do I have of resolving this with the dealer, knowing what I already know, voiding the warrant because of it or for the other thing in they lied about, or am I out of luck? Please be kind, I still feel pretty dumb and very angry. I tried so hard to do everything I was supposed to and not miss something like that. Especially since it was 1:30 away from and I had to go there twice(second time was to get my other car I had left there, and the contract I never signed explaining the extra charges).