Recently purchased a used truck as a cosigner (my father was listed as primary due to credit). My father lives in a different state, so the dealer was going to fedex papers to my dad to sign once they had secured financing and knew the final interest rate, payment, etc. After a week the dealer sent us a letter saying they couldnt secure financing and we needed to bring the truck back... they never sent anything to my Dad to sign. The only thing that was ever signed was my signature as the secondary buyer, on a contract they never gave me a copy of. Well after almost 2 more weeks, I ended up returning the truck, but they say I owe for mileage and wont return my down payment. Can they do that ?