That's a bummer, so you initiated a loan, but declined some type of coverage, then purchased a vehicle from a dealer, with the money from the loan, then cancelled the loan cause you didn't have a credit card to pay for some type of coverage you opted out of paying for in the beginning, then someone cancelled the loan (I'm not sure who) and then you tried to establish another loan for the vehicle which you already have under the pretenses of the first loan, which was cancelled, and now you want the dealer and bank to renegotiate a loan amount and sale price for the vehicle...huh, weird, best of luck withy that one...not sure who's really at fault here...