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Tata Indica / Loan passed without contact with me

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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?
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