I bought the car from the owner directly...the owner himself was surprised he had to go through this random dealer who had nothing to do with anything. The dealer was also required to provide the bank with a quote to prove that the car really was worth the amount of the loan.

It was quite the ordeal, because the vehicle owner had to be by my side for every appointment -

1. the bank (all three of them)
2. the random qatari car dealer middle man (several times)
3. back to the bank to finalise

So the two of us (both in very busy jobs) always had to try and co-ordinate time off work together it was a riot.

3542 seems like a hefty processing fee. Yes, I will persist with trying to get onto the bank...

x mp