stop paying. when he comes by make the payment after purchasing the tools you need. tell him you'll probably miss more payments if he doesn't return calls. you scratch his back he scratches yours ya know.
sounds like he just doesnt want your business.
If your credit line is through snap on credit and you start missing payments, you'll probably hurt your credit rating so it's never a good idea to miss on purpose. Then again, if you're using SO credit with their ridiculous (what is it 29.99%?) APR, then a good credit rating is probably not that much of an issue.
Anyway, it's the same in my area. I had a real long conversation about this with a couple of metro area reps here in the SF Bay Area during one of those Masters of Metal road shows.
The reps are not inclined to handle the non-shop occasional buyer regardless if the person has money or not. It's all about dealerships and big shop routes. Sure, they'll sell to you if you happen to be somewhere they are but returning calls, texts and emails from a non shop person really is a drag and is an inefficient use of their time.
We are in the "C" category of their action items. Often the C's are way deep in the back burner and is just forgotten because their minds are ready to call it a day by the time they've cleared off all the other BS in the A and B's.
It really comes down to a point that the website ordering was created in order to service people like the OP and myself.
I don't have a SO account and haven't really looked into it that closely. Do they require that you pay weekly? Are you saving interest that way? Is there any reason why you can't just do a monthly?
I even get a discount on ratchets. 