<prompt> Human: OK, just an advanced warning this will be a good ol fashioned brick of text.Pretty generic situation leading up to the decision to purchase, old vehicle on its last legs, yadda yadda yadda. In a used car lot near my home MN, if it matters i find a vehicle that i want. A used smaller SUV. i decide to purchase it for 5,400, putting 1,000 down and financing the remainder. i fill out the credit app and wait to hear back. at this point i should mention that while i do not have bad credit mid 600s if memory serves i do have a very short credit history. i hear back from the dealership the next buisness day saying that my credit application has been denied on account of the short history and they recommend that i try with a co-signer. That phone call took place at about 11 AM this past Monday the 17th. i spent the day kind of feeling sorry for myself as i really didnt have a definitive plan B. Then, at about 6:30 or so that night, i get a phone call from a man telling me he was reviewing my credit application and thinks that we can make something work. I was a little taken aback because i was not expecting his phone call in the least. Now, he starts in asking me to verify my SSN by rattling it off which instantly sent off red flags in my head, so i do some basic security measures, tell him i will call him back after briefly researching the company he is with on the internet, making sure phone numbers match, asking him to verify several other peices of information on my credit application, etc. I determine that he is who he says he is, and the conversation continues. i tell him that if need be i can put down a higher down payment if it would sweeten the pot for any financial institutions he speaks to on my behalf, to a total of 1,600. Next is where things get shady, he says that due to me being a very high risk individual for a bank to lend to 23, male, short credit history, that there would be a three letter F word involved that would be applied to the principle of the loan. he was very particular with his wording, would not come out and say the word Fee he did say that any types of fees of that nature were in fact, illegal but he made it very clear that if i was going to be financed, it would add 300 to the price of the vehicle, in order to entice the financial institution. now, at this point im pretty sure something sketchy is happening, but i decide to see what he can do for me. A day goes buy and he says he found a credit union that will finance me, and at an interest rate of 2.74. again, this seems wrong as i would expect to pay a much higher rate based on issues with my credit history, but again, i decide to see where this goes. so the next day, i go down to his office where he has a contract printed up and waiting for me, and he tells me to go ahead and sign it so we can get everything taken care of. i make it very clear at this point that i am not going to sign anything until i have read it over and he starts being a classic used car salesman, trying to make me feel shitty for wanting to read it, trying to hurry me up, the works. any way, i start looking into the contract and lo and behold, there is a 1,600 warranty that i did not talk about or agree to. i tell him that this was unacceptable and to do the paperwork again. cue more salesman tactics, complaining that i just cost him 2 in paper yes, really... and i tell him to roll it into the principle of the loan if he wants. he laughs and goes back to his desk. now, at this point he starts in on me heavily implying that if i did not purchase a warranty on the vehicle, it would change the situation for the credit union and they would likely pull my financing. he never came out and said in plain english you are required by the credit union to buy a warranty with this vehicle but like i said, he tried very hard to make it seem as if me getting financing from this institution was dependent on my buying a warranty and rolling it into the loan. so he tries to sell me on a 900 warranty, i tell him that no, that will also be unacceptable, and he says that he needs to call the credit union and speak with the loan officer that he is dealing with there. he is waiting for a call back that does not come, and he comes at me again with a 600 warranty. now, just to be clear, the office that i am at is NOT the dealership where the vehicle in question is located, and it is getting late in the day, approaching time that the dealership would be closing. so, to be done with the hassle i signed the contract which, true to what he said, was indeed a 2.5 year loan 2.74 interest and moved on to the other paperwork. now i am signing some other generic forms, when i come across my credit application where some information is incorrect. my rent payment shown on the application is half of what i put down when i filled it out initially at the dealership, showing 250, NOT 500 that i listed. also, it shows me as making about 1300 per month, NOT 1300 per check bi-weekly that i had written down at the dealership a few days previous. this confused me because not only did he verify my take home pay when we spoke on the phone initially, but he also took a photo copy of a paystub that i brought in. i told him that the information on the credit application was wrong, and he told me that it didnt matter. this is the part where i think i fucked up, i signed it. also, when i left this was NOT one of the pieces of paper that i got a copy of, but he assured me that he would email me a photo copy of it. that whole encounter happened the day before yesterday, which was a Wednesday. the next day at work, i am pretty sketched out over the 600 warranty thing, so i decide to call the credit union that he hooked me up with as a financing institution. i spoke with a loan officer there and he told me that they do not look at a warranty on the vehicle as being a factor in the slightest, and even confirmed it with his manager. furthermore, he told me that they would be able to refund the warranty and that i should not have to re-sign any paperwork. splendid. so now i have it confirmed that this greasy asshole took me for a 600 dollar ride. this will not stand man, this aggression will not stand. when i got off of work yesterday, i went back down to the office and told the individual that i needed to speak with him. we sit down, and i tell him that i dont feel that he has been honest with me about the warranty, and recap the conversation i had with the loan officer at the financial institution. at this point, he pretty much blew his fuckin top. he starts yelling, literally yelling, at me saying that i am trash talking him, that i better not have fucked up his relationship with the dealership or the credit union, telling me that i am only thinking about myself, and that i am being selfish, and a whole lot of other smoke, including telling me that he is going to kill the deal. i tell him that no, i believe we both signed that contract and i would still like the vehicle, i just want a refund for the 600 warranty that is not needed. again, more pouting, more guilt tripping, doing everything he can to not have that happen. at this point i start dealing with a different salesman, who i believe may be the superior of the diva hosting his very own pity-party. he prints up another contract showing me a reduced monthly payment, and to just sign it. several times, he tries to get me to sign it without reading it. i tell him that no, i will not be signing any new contracts, i just want my refund. he too tries persuade me out of it, while i just smile politely and nod, waiting for him to finish. eventually, he gets it that i am not to be persuaded by his line of bullshit, and he types up a piece of paper that basically states, that i purchased the specified vehicle and would like the warranty refunded, understanding that it is in an as is condition and all the like, and that the company will be cutting a check to the credit union in the sum of 600, and from there they will deduct it from the principal of the loan. we both sign and date that piece of paper, which i currently have a copy of. phew. sorry that got a little lengthy, but i had to throw a little justice porn in there towards the end. anyway, basically i have a bad feeling that my dealings with these people are not over and am wondering if i should proceed in any certain manner going forward. when i spoke to the credit union they said that they did not have the contract yet but were aware that i was in the process of financing, and that they will be looking over the loan just to confirm details of it, and i am wondering if A there is anything that this greasy dude can do at this point in the proceedings to fuck up the deal with the vehicle, and B if i should be concerned about the credit union rejecting my application that has the incorrect information on it. which i still do not have a copy of, both the grease ball and his superior told me that they would email me a photocopy of it that i have still not received at this point. if anyone has any advice or tips on how to proceed i would sure appreciate it!Edit: formatting, kind of. sorry. first post to reddit, can someone direct me to some formatting help?  <response>: Can you not succinctly summarize your situation in 1-2 paragraphs? Look at what you just posted .. Its probably 1-2 k words completely unformatted. What is wrong with you!? 