RCL's (Fords red carpet lease) are done at the dealership, and the dealership holds the paper.. If the Dealership (Ford store) wants to charge the dealer more to buy out the vehicle, they can.. It is a way to discourage the customer from going to another manafacture to buy their next vehicle..
No it isn't right, it is not your fault, it is the Ford dealerships, being a CROOK..
You are going to have to talk to the Ford store where they got the payoff from, where you leased the Ford from, and take care of this
, they will, with enough pressure, make it right and make the payoff the as it should be..
If you come back to the dealership, and planned by them, you have an incentive and they lower your payoff, if you go somwhere else, the raise it in order not to lose the sale..
Read your RCL contract, it will explaine it all, and they have the legal right to do this, you signed for it when you did the Ford lease..
Hope this helps and you get it taken care of quickly..