Absa instant life debit order issues

Not happy with ABSA right now, I opened check accounts with them, I am preparing to move my account from FNB, I have life cover with INSTANT ABSA LIFE, I called ABSA INSTANT LIFE, 10th December, change debit order for effective date 1 February, my Employer will start paying me from ABSA end of January, consultant didn't listened properly, set date from ABSA 31 December, mind you there is no money in the new account, debit order bounced, now I got over R100 bank charges,no premium paid, now my ABSA banking app. is BLOCKED!!!!. DECEMBER PREMIUM SHOULD HAVE BEEN LAST DEDUCTION FROM FNB. YOUR CONSULTANT MUST LEARN TO LISTEN CAREFULLY WHEN SPEAKING TO CUSTOMERS. DON'T MAKE ME REGRET MY DECISIONS TO MOVE MY ACCOUNT, I ONLY MOVED COZ MY HUSBAND PERSUATED ME TO DO SO. FIX THIS WITHN 24 HOURS!