Early debit orders

I have a loan with African Bank and the debit order is supposed to be after the 26th of each month as I only get paid on the 26th, reflecting on the 26th. Every month they try to debit early which result in extra fees on my account as there is no money yet. Normally I look past it but today I took a temporary loan at a cost of almost R400 for an emergency just before payday. Guess what, as soon as African Bank saw the money in my account they deducted their debit order... Now I sit without the money I needed, I wil never take a loan with African Bank again...