Maybe. If you can prove the dealership knew about the issue and didn't disclose it you would have a case.

it is 28 days. You may have defenses and affirmative claims so you should contact an attorney asap.

I would need to review the paperwork but based upon what you are saying there would seem to be a consumer violation.

A consumer attorney can certainly help. It does appear that you are a victim of "Shopping while black" and that the conduct is illegal.

From what you described the dealership should have taken this liability- reporting it to your carrier will result in you having higher insurance...

I would need to review all of the documents to provide advice. However if they represented that the product covered something and you can prove it,...

No they cannot keep the funds. I would have to review the paperwork to provide advice.

I would agree with the above but there are certain loans which have longer statutes. I would need to review all of the information to provide advice.

You would have a claim based on what you describe- it could be breach of contract or CSPA. I would need to review all information to give advice.

I would be happy to discuss this with you.