I have an RV that is financed through Thor Credit Corp. My payment is due on the 24th of every month. It is not considered late until the 9th of the following month and a late fee is then accessed. I have NEVER been late on a payment and have never been past or no where near the end of the grace period, therefor I have never had a late payment fee accessed. However: If my payment has not reached them on the actual due date, then they start calling my work and my cell phone continuously but will not leave a message. I have spoken to them at least 2 or 3 times and ask them to not call me at my job or on my cell phone when my payment is not even late. They are very rude and very unprofessional. This is not a good way to do business. I might could understand it if my payment was late and they called me and would leave a message. But this has NEVER been the case. I am sick of being harrassed by these idiots!!!