Was suggested by dealer to refi after 1 yr for better rate. Confused as why 2011 loan paperwork does not show 'refi' but purchase of USED vehicle - at higher $ than payoff $ for original loan (not incl the misc items $). Questioned dealer, got no answers - said they couldn't explain how it was done, finance person no longer with dealer. It looks as if we bought this vehicle AS NEW in 2010 and then bought it again AS USED in 2011 - with $ added for items we already paid for with initial purchase (warranty, delivery, title). How is this possible? Is this legal? Have not seen the title "trail" - don't remember signing anything related to title but was told that the title (ownership) would not change. Have requested copy of title info from lender - not yet received.