Lack of protection

I received a message from Absa that there will be a debit in my account but when<br> i go to cancell the debit order as i do not know the company that wants to debit my account im told that it cannot be stopped due to the fact that it has not yet been debited, yet Absa will be expecting me to pay charges should there be no money into my account or ill have to pay charges for the reversal of the debit order. This is really unfair cause i'll be paying charges that could have been avoided. Absa is making money from us unnecessary.