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Well they shouldn't have let you drive off with the car in the first place until lending was approved and funded. So that's their own damn fault. You should just say I don't have that documentation, here's your car back and see what they say.
But if you like the car, then bitch and complain and see what they throw in for you. All of those "options" that they sell you are generally marked up at least if not more than 100%
At worst case you can make a big scene in the middle of their show floor. Then say something stupid like "This isn't where I parked my car..."
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