Legal Question in Consumer Law in Pennsylvania

I do not understand the question. At this juncture, it may not be possible to undo the transaction. Even if the bank messed up, you are still liable for the balance. You will have to figure out how to get it done - either pay it off or roll it into your new car loan if that is possible. However, since the bank did screw up, I would argue that they should eat any late fees or penalties since they did not get payment for a month.

You might need to do a three-way conversation between you, the dealer finance guy and the lender on your old car. You might also have to include the lender on the new car if the paperwork needs to be rer-done. The only other option is to give back the Tundra and get a less expensive model in which you canroll over the old car loan. I'm not a fan of this as very quickly, you will find that the vehicle you buy is not worth what is still owed.

You have learned a hard lesson about why you should never ever rely on the dealer for financing a new car. Get your own financing in place first before you buy. And try not to trade-in cars on which you still owe money.