Fauldent bank loan ( no money was transfered to or through my account. 
Failure to Disclose your Participation in Truth And Lending Act.

Failure to disclose that down payment wouldn't be needed under 15 USC 1662 ( b ).

Failure to notify when or if presale was happening.

The lender didn't provide you written notice of my right of redemption and ( or ) right of reinstatement. It must tell you : The amount of the outstanding balance of the loan, including all fees and charges The deadline to redeem the loan The method by which you can save or pay off the loan to get the vehicle back, and if your state allows for the right of reinstatement, the amount necessary to bring the loan current, and the steps you need to take to reinstate that loan.