We previously bought a Chrysler car and paid all payments on time through Regency, no problem. When we traded it in, they did not give us the opportunity to set up payment date and they set it 2 weeks before payday. We told them immediately and they said after 6 months it could be changed only. Now every month they call, every day, all day, from 7:30 in the morning to 9 at night. Yesterday I told the caller she is in violation of the law calling so late and she said she'd "call whenever she felt like it." You tell them the same thing every time they call but it does no good, they call again anyway. I would never ever buy a vehicle through them again, EVER.