I have been an active RV owner for the past 10 years, and 2 years ago we bought a brand new 34 foot Class A motorhome. We were easily approved for the loan at the dealer and followed their recommendation to go through THOR credit. Recently, due to the markets, we have had to go 15-20 days late on a few of our payments and all of the companies after a brief explanation understood and have not called since. On the other hand, THOR credit calls 3-4 days after the payment is due, calls as early as 8am and doesn't stop. They will not take an explanation and only want to argue about why the payment is not in. I am a good person financially and very prudent about my credit. Since this has begun, they have now reported on my credit (2) 30 day late payments and now have told me its up me to get them removed. I have never been past 30 days and have verified checks to support that. I have no other late or bad accounts. I have and will continue to do everything to maintain my credit history and will be a lifelong RV owner. I am only 36 years old and plan on purchasing many RV's throughout my lifetime. I will never buy an RV manufactured, lease or purchase and RV through THOR and make sure that I tell everyone about their practices. I can only hope that if someone has a choice in RV financing that they choose another direction. I am also completely open to a complete and honest discussion with THOR in relation to their practices.