Debit on the day discussed or I'll stop paying. refund

It's my daughter's birthday and you guys debit a day before pay day. How the **** am I supposed to buy my daughter a cake if you take my money? I will change my account and never pay back the damn loan. I'm not worried about being blacklisted you can blacklist me I'll still live. If the holiday falls on a Friday ****en collect your money the next day and not a day before. I need you guys to explain to my daughter why she isn't getting a cake you ****en pieces of ****