Wow man, sounds like they got you for a couple BS charges. I would definitely cancel the gap and get it through your car insurance company, it's usually like $5 a month. And the life insurance WTF?!? You should have walked out when you saw the final total, they would have called you tomorrow begging you to come back and offered a lot better deal. That's what I did when my finance and I bought her car, they were ripping us off on the trade in, so we walked. They called the next day offering exactly what I was asking for
