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LOAN PASSED WITHOUT CONTACT WITH ME

I purchased a TATA INDICA V2 DLS-BS ii From Asansol PJ JANEE SHOWROOM of burdwman district in WB..

I contact with TATA FINANCE for loan upto 90% for 5 years.

The finance company that time agree for loan delivery the car to me by showroom .after 1 manths PJ JANEE SHOWROOM contact with me &he said to me that -TATA FINANCE does not complete payment to us for your car so you pay me outstandig amount to us &contatct with TATA FINANCE .

THEREFORE I CONTACT WITH TATA FINANCE that time (after 3 mounths car purchase) he said to me your are not eligeable for

90% loan on car.why wait the TATA FINANCE UPTO 3 MOUNTHS?