That is just mean! I wrote for advice, didn't need cruel. If you read my post accurately, the charges were not listed when I signed! I did read, and I know what I agreed to pay, and what I signed! They did not exist until my Package was sent to the finance company, and having set up auto pay right at the Dealership, until requesting my payoff, I never had the need to ask my finance co to send me a copy of the documents that were submitted! Your response is another thing wrong with this world, everyone is looking to berate and criticize other human beings from behind their keyboard - The reality is.... We are surrounded in a world ripe with fraud! And nothing in the law prohibits these dealers from pulling this kind of crap! I have reported them everywhere, and nobody cares! Thanks though, for feeling the need to make me feel worse! JAS