Uhhh, isn't gap insurance to cover the GAP from your loan to what your car is worth? So either you needed the gap insurance ($30k loan, ins says it's worth $25k, you get $30k to pay off loan), or you didn't ($20k loan, ins says it's worth $25k, you get $25k). I'm pretty sure it's not you SAY you paid $30k, loan is for $25k, company wants to give you $20k, but you say you paid $30k so they pay that amount.
You never go full potatoe.
So they paid off your loan? So you did put down the $13.5k, iirc. That was your 'first payment'. Plus the $7k you bought the car for. Plus the money you put back into it. Still probably got a deal for that insurance fraud you committed.
Has no one asked why in the fuck the detective was calling your mom?