1. I wouldn't call a miscommunication between a handshake deal with multiple people and departments involved and the next day the exact same as a "term sheet ruse" which implies there are games being played on the actual term sheet in front of you. I would say in many industries there are terms on the final documents that don't always exactly match what earlier communications, and yes it's important to make sure they match up.

2. A new car is new as long as it hasn't had a registered owner. You can even have a new car with an already started warranty sometimes. I still wonder how you made it to the paperwork stage without seeing the car and noticing it wasn't exactly 'new new', but if you landed on a very shady salesperson it could be covered up (simply leaving the dashboard display on a trip meter instead of odometer could do this I suppose)... But once again.. I STILL think it's more of an accidental miscommunication than deception since everyone knows it will eventually be discovered. Dealerships sell many "demos" year round, and I've also never seen this drama in person even though demo sales are common industry wide.

3. Clerical errors do happen when a salesperson gives management a summary, a salesmanager loads a deal into the system, and a "finance manager" (I hate them) finished loading things so that the DMV and banks are happy. It does happen. It isn't a tactic because once again, people rarely miss a $1000 line item, or the payment going up suddenly.. so why have the drama, potential deal blow up, yada yada.. the salesperson doesn't get paid on non vehicle adds ons or fees, and management gets such a small cut of gross profit I just don't believe it's done on purpose since it has a high threshold of drama.

4. I have never seen this, and I can't even imagine how we'd get the computer system to do this. Also, the banks would reject a contract later that doesn't add up and send the deal back. And finally, who is intentially commiting this kind of fraud on a document that will forever exist in your hands and the banks hands. Would there be an easier way to get caught for some crazy fraud than having numbers not add up on a final contract?