Fictional example — GAP after trade-in
Dealer Refund Kit packet preview
Product foundGAP / debt cancellation waiver
Refund/cancellation routeCancellation request after vehicle sale or trade-in
Documents to attachRetail contract, GAP waiver, trade-in/payoff proof, buyer ID if requested by provider
Next required stepSend the request to the dealer F&I office and the provider/administrator named in the paperwork.
Draft request letter
Subject: Request to cancel GAP waiver and review any unearned amount
I purchased a vehicle in Florida and the attached paperwork shows a GAP / debt cancellation product. The vehicle has since been sold, traded in, paid off, or refinanced. Please review the attached documents and process any cancellation/refund handling available under the contract terms.
Please confirm receipt, the required next documents if anything is missing, the expected processing timeline, and where any approved amount will be sent.
- Send packet by email or certified mail where available.
- Save proof of delivery and every response.
- Follow up after 7 days if no acknowledgement is received.
- Escalate only with the facts and documents; this product does not negotiate with the dealer for you.
Sample only. Self-service paperwork only, not dealer negotiation, and no refund outcome is promised.