Question: Are you talking about a "layaway" deal here, or just putting down a deposit to hold the gun until your paperwork clears? There IS a difference.
A deposit is a one-time amount that you put down to hold the gun until you're ready to close the deal. It's not uncommon to forfeit a deposit if you can't finish the deal.
Layaway, though, is like Christmas Club at the bank. It's not a one-time payment. With layaway, you make regular payments of an agreed-upon amount, at agreed-upon intervals (say $50 per week) until you have paid the full price, at which time the deal closes. If you're buying a $1,000 gun and you've paid $900 into the layaway when you learn that your paperwork isn't going to be approved -- I certainly hope your dealer isn't going to keep the whole $900.
Perhaps you're not using the correct terminology?
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