I bought a car at a dealership a little over a week ago, signed all the paperwork, have a finance agreement, and drove it off the lot with plates on the car as well as full coverage insurance in my name. The dealership sent a form home with me asking for a few additional items, which I've provided, then called me a few days later to say the financing fell through, that I need a co-signor or I need to return the car. I went ahead and sent over an app for my mother to co-sign on Friday of last week and haven't heard anything back from the dealership. I've called several times with no return call and this dealership has shopped my financing out so many times - I have 16 hits on my credit report and no idea what's going to happen with the car. I have ample income and credit score for this deal which I'm assuming is why they let me drive it off the lot. Now I'm seeing information on the internet about "spot delivery" scams and I'm concerned that I may be a victim...do I own the car or not?