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Gary,
I had a similar experience. Call them and tell them you're returning the car as the deal proposed doesn't match the contract you signed. Walk in with the keys and put them on the desk of the manager, and have the contract shredded with an addendum stating you returned the car and the deal is void. Keep this record.
When I went to hand my keys in, I got to the desk of the finance manager and magically they were able to hold the deal as per the original terms. By some kind of miracle I guess.
But this voids the contract so you can release liability - from what I gathered and what I experienced.
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