Incorrect debit order date

When I signed up with Budget Insurance, my agreed debit order date was the 25th of each month when my salary gets paid. Last month my sister had paid emergency funds in my account on the 23rd for my medication, because of the nedo tracking , they took the premium on the 24th and the funds was not even enough and I had to pay the honouring fee. I called the call centre last month to complain about this and the agent said that they would refund my money and pay the fees which I had to pay. She said she would send an email on which I could respond and supply my banking details. To date, I have not heard from this agent or anyone else at Budget. Guess what, today is the 24th, there are no funds in my account and the budget premium goes off my account. What the hell is wrong with you people!!!!! My agreed debit order date is the 25th!!!!!!!. I am going to cancel the policy. It is in any case way over priced!!!!!!