AFRICAN BANK DISAPPOINTS AGAIN!!!!!

In December, I complained as African bank debited my account on a wrong date, causing extra charges to my bank account, I was assisted after complaining on hello Peter by Sylvester Fraser, with the intention that African bank would not debit me wrongly again. Well that is not the case, my debit order date is the 28th of every month for an amount greater than R2000. African bank decided to debit me on the 24th, I had no funds in my account, as my pay day is the 27th. I received my charges statement from my bank and I owe them for the bounced debit order, What makes me mad is, when this happened in Dec, African Bank said we will refund you! How do they refund? by putting the money into my African bank loan account, that didn't help me because I still owed my bank for the bounced debit order! I email Sylvester Fraser on Tuesday, telling him that African Bank had done it again, I am to this day waiting for his response. Because of the Easter holidays other creditors called, some send messages asking if they can debit early, if not, we negotiated for a new debit date, why cant African Bank do the same? We don't all work for the same company were if its holidays you get paid early?????