Dealership Fraud Possibly?
2 attorney answers
In Maryland, there when the financing of a car purchase falls through there is a statute controlling what happens. Under the statute, the dealership is supposed to notify you within 4 day of the transaction, that the financing has failed. If no new deal can be made, then the buyer must return the car, and the dealership must return any down payment - unless you have actually damaged or modified the car. Merely driving the car doesn't count as modification.
All that said, dealerships often fail to comply with the statute. You can complain to the MVA: http://www.mva.maryland.gov/businesses/investigations/complaints-and-investigations.htm. You an also hire an attorney to try to get your money back.
You are not paying anyone for the use of the car. Sooner or later they will repossess it. Meanwhile, you have a free ride. Make sure you save all the documents of both the dealership and the lending institution.