Tidewater Motor Credit Calling us at work and home asking when we were sending payments before it was due. Virginia Beach Virginia

 This is a sub-prime deadbeat lender and it's quite obvious you were placed with them because you screwed over previous creditors...otherwise you would have been financed by a bank. Here you are again, living up to your reputation! Of course they are going to report it as late.

Just wait until they report it as a repo becsuse that's what it was! Guess what? You'll be sued for the remainder of the loan balance and then you'll have even more to cry and whine about. (Now's the time to write back something stupid like "you must work for them"!

You obviously are not giving us the entire story.  You are really going to say that you told them to come and get the car after a call or two trying to verify your employement and to make sure you will be making your loan payment.  They are a "Sub-Prime" lender meaning that for what ever reason you have not proven you can handle credit. As such, they are going to stay on top of you to make sure that you are going to make your payment.

Sadly it seems as if you are still continuing a pattern of very poor credit decisions. Because when you told them to come and get it, that is considered a Voluntary Reposession. It doesn't matter if you tell them to come and get it or not...you are still on the hook for the loan.

If they let you off the hook, consider yourself very lucky.  If not, they will sell the vehicle at auction, and because it is an auction it will be for about 1/3 to 1/2 of the actual loan balance. They will then come after you for the balance. If you fail to pay that you don't have to worry about them calling your work to verify employment. They will actually come to your work  and serve you with a summons when they sue you.  Oh and if your employer didn't like them calling, wait until you lose and they have your employer start garnishing your wages.

Oh and this is exactly what every other creditor will do when you have a Reposession.