I financed a loan of about $19,200 when I purchased my vehicle. That loan amount included GAP Insurance and a few other OPTIONAL fees. About a week later, I decided that I didn’t need GAP nor did I need the items included with the optional fees so I went back into the dealership and cancelled. I took a copy of the cancellation form which showed what I cancelled and WHEN I cancelled them. I just assumed that my total amount financed would drop... but 5 months later, my amount financed still shows as if I still have GAP and the optional fees. How does this work? Will the lender of my loan be credited back eventually so that my total amount financed lowers or do I personally get a refund if I pay that entire amount that was originally financed? ($19,200)

Also, I am going to refinance with my own bank soon which means I will be paying off the original lender. Does that make a difference in this situation?