Lightcycle, most dealers have you sign a form that states you will pay any difference between the actual payoff and what was listed on the buyers order. This is used mostly on deals where the customer provides the payoff amount and the dealer has no way to confirm the amount. If the dealer called and got the amount of the payoff and did not ask for a confirmation from your lender, they are totally at fault! However, if you signed the form stating you would pay the difference you are hosed! The payoff does not effect the salespersons commission. The only thing that figures into the amount of commission is how much they allowed you for your trade, and the actual cash value they place on the bike. Example: the dealer bids your bike $5000, but offers you $4500 on trade. In this example the salesman potentially could get paid on the $500 difference between tradein amount and the actual cash value( the value the dealer placed on the bike and the cost to him of your trade in).Did you get the title to your new busa at the time you signed the contract? If so, I would go see the dealer and ask him to show you documentation that states you will be responsible for any difference in payoff. If he can't show you this, you can tell him to go pound sand in his rear, but you will still have to deal with your lender and credit report. Good luck!