Did you report the issue 'crunching when cold' to the dealership in writing or only verbally?
If VW Finance, or any other finance, and you hand the vehicle back without settling any o/s finance, you will be found liable for any o/s finance it will get a black mark on your credit record once Court proceedings take place, and conclude
VW have much deeper pockets than you, and if you have no written record of gearbox complaints you are on sticky ground with any claim
Write to the dealer principal by recorded delivery setting out your complaint in a polite concise manor.
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