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The deal is not done...
Hey just because you put down 1K does not mean the deal is done... I talked with my BMW dealership about this same situation. If you bought the car and signed all the paperwork, then it's a done deal. The 1K is totally refundable if you have not signed any paperwork. And even if you signed a deposit form, I would not hold up unless they already released the car to you. I'm guessing if you are putting up a deposit, then they don't have the car yet... So go back to them and get your payments lower!!! Much lower.. Good luck..
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