They're calling us on our normal due date to make "remind" us that our payment is due. We have a ten day grace period written into the contract and when we remind them of that we're told that the contract is wrong. They will then call three to four times a day every day until they get they get paid. I've never gone more than 4 days into the grace period and have only had to do that twice. If going through these clowns is the only way you can get a car, know what you're getting into. I thought Wells Fargo was hostile, these guys are right up there.