Capfin pathetic service

The most horrible service ever! Capfin debits your account whenever they feel like it, they completely ignore the debit dates the customer nominates. they should be debiting my account on the 25th of each month, in March they decided to debit my account on the 22nd, there were no funds since i only get paid on the 25th so the debit was unsuccessful and the bank charged me for that. When i enquired they said their policy states that if the 25th falls on a weekend, public holiday or Monday then they debit on the last working day before. they could not explain why they do that for a Monday since we only get paid on the Monday and not before, they also could not explain why it attempted to debit my account when there were no funds since its a NAEDO debit.

With the above query unresolved, the proceeded to Debit my account on the 23rd April, two days before the nominated debit date of the 25th. Once again the debit failed and the bank charged me. when i escalated to Capfin, they refuse to refund me for the charges incurred and now state that their policy states that they can Debit anytime from the 23rd. When i asked why i was asked to select a debit date if they debit whenever it suits them they simply started ignoring me.

I have sent more than 3 follow up emails and they are just ignoring me. This is the worst service ever.