Kev:
It would have been easier if you had posted some code. So, I can only guess what you tried.
It sounds as if you entered testmode, then build a vehicle in test mode and tried to refit that one.
That won't work. The vehicle is not actually built in test mode, so you cannot refit it.
The only solution is, as Zuu said, to build the vehicle, try to refit it, and if that fails, sell the vehicle again.
Btw. the same happens to humans. Coincidently just yesterday I started a game with an train set I never played before, built a first route and had barely enough money to purchase the train. Then I discovered that refitting the wagons cost 5 times more than purchasing them. So I was bankrupt
