You need to read all the paperwork you signed. So you could not wait a single day for the check to arrive?
Obviously you were qualified for the loan but you chose at the last minute to cancel the loan with that bank and I would not be surprised that some language in there requires you to pay for costs as a transaction fee/cost/administrative etc...
I would suspect the 10 day interest comes from the fact the money was released before the check was sent. The story is not very clear.
Documentation fee ok. Documentary stamp on the car title? I do not see why since the car was not purchased with this loan. Something is not clear, but read the contract at first.
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