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Just bought a new (to me) car and arranged it on dealer finance to get the extended warranty with every intention of cancelling the finance within the cooling off period, but the dealer has told me that this will mean that I won't receive the extended warranty and to do that I'd have to settle the agreement? There's nothing in the TnCs which states this and the paperwork with the vehicle shows the full 3 year warranty regardless of the finance..
Are they trying it on to keep their commission?
I say they are trying it on. At the end of the day, they will be two different products provided by two different third-parties.
I've done similar - take out finance to get the incentives they're offering then withdraw from the finance after collecting the car. I kept all the incentives that were offered with no challenge from dealer or finance company.
Also if the paperwork doesn't mention it the dealer doesn't really have any leverage.
Just contact the finance company direct, no need to inform the dealer.
Why are you talking to the dealer? Go direct to the finance company. All the incentives should be in writing, and that’ll be with a different company to the finance.
I did, but there was a complication about the paperwork still being in the proposal stage despite having been signed 13 days earlier and the car delivered a week ago.