I just purchased a 2005 Explorer and while in the dealers office my credit application was approved with a thousand dollars down payment thru a bank from california but the sales person said the bank are back charging the dealer any other 1200 dollars cause my credit score its low so I must pay the dealer separet for this amount without the bank knows,the whole thing smell fish should I pay the 1200 dollars? I already driving the car the bank have seal the deal with a 1000 down payment,please help.