Breach of Contract

I am so unhappy with the relationship Capfin and I have right now. They have breached our contract agreement which was to debit my account every month on the 26th and if it falls on a weekend they will debit my account on Friday. Last month the 26th was on a Friday however, my account was debited on Thursday and there was no funds in my account. When I called them, I was told that they had system issues and I was not the only one affected by this. I was penalized by my bank R150.00 for this debit because I had insufficient funds. The consultant I spoke with she said 'I doubt if you are going to be reimbursed for penalty charges that your bank charged you. We will send out communication to all clients affected by this' which never happened. Same thing happened this month (July 2025) and I lost another R150.00 We started on a good note and I have never experienced something like this ever since I started my relationship with Capfin but now that my loan term is coming to an end (in Oct 2025) I am experiencing issues which cause financial loss on my end.