BB&T BankBB&T Bank/Antwerpen Nissan Clarksville, Maryland. Violation of Regulation Z of the TILA Charlotte North Carolina

On 11/17/08, I purchased a new 2008 Nissan from Antwerpen Nissan. I asked to have a the contract set up for a 90 day defferal (where myfirst payment wouldn't be due unitl 02/17/2009); which they agreed to or so I thought.

I asked the Finance Officer at Antwerpen three times before signing the contract what the payoff amount would be on 02/15/2009. The Finance Officer kept indicating to me that the amount financed $23,207.00 was the amount due on 02/15/2009; with no prepayment penalty.

A few days later I thought I would verify this with the bank BB&T. BB&T bank informed me that I was being charged $5.57 a day since the date the contract date of 11/17/08. See the details of my contract below:
Annual Percentage Rate 8.79%
Finance Charge $6275.62
Amount Financed $23207.12
Total of Payments $29482.74
(the amount I will pay after making all payments as scheduled)
Total Sale Price $31482.74
Your Payment Schedule Will Be:
Number of Payments 63
Amount of Payments $467.98
When Payments Are Due Month beginning 02/15/2009
Or as follows (this section of my contract is blank and where the $5.57 per day should have been entered).

No where on this contract does the $5.57/day appear. As having previous experience in Real Estate profession as I recall every detail of the contract must be devulged in the contract, in the TRUTH IN LENDING section.

So far I've filed complaints with the BBB , the Md. Att. Gen. Office, the FDIC, the Md. Finance Comm. and the NC Commissioner of Banks. None of these agencies have take any steps to resolve my issue; all of the agencies were satisfied as long as BB&T responded to their inquiry.

Its my contention that this contract is invalid.

George
Essex, Maryland
U.S.A.