I'll wait until TFS has the warranty in the system, and then cancel thru them. I was told (by TFS) that when you cancel thru them that they will send the refund out and back-charge the dealer for it. There is at least a bit more piece of mind in dealing with TFS rather than the dealer. Plus, the dealer gets a little "surprise" when they find out that its cancelled and they can't monkey around with you.

Some dealers may have been o.k. to deal with regarding this but others might milk the time and effort for a refund since it's out of thier pocket. Besides, I'd rather tell TFS that I want to cancel due to the dealer raking the customers. Who knows - maybe if enough people (that buy thru the dealer) cancel thru TFS, Toyota may take notice of how dealers are screwing Toyota customers. Maybe TFS might set a 'fair market" rate -but then, that rate could go higher than the rate from Midwest or Watertown. Go figure.....