There could be an arrangement fee for the loan.
If I were you I'd persist in finding out exactly what the breakdown of the loan is. You are entitled to a print-out of the loan structure.
If the owner of the car placed the car for sale at the dealer's showroom (common) then it's normal for the bank to pay the showroom owner who'll take his cut and pay the owner of the car the agreed-upon amount.
But get back to CBQ and demand a detailed breakdown.