Early debit order date

I dont understand why Capfin debit my account 3days earlier to the agreed date, what debit system do they use because clearly its not NEADOS. Now I have incurred R150 failed debit order charges that I did not plan for. Your system is really pathetic and I want my money because as per contract if a debit order date falls on a weeked or a public holiday then you will deduct on a previous business day which was on a Monday. THIS IS REALLY ANNOYING ME THIS IS THE REASON WHY PEOPLE DO NOT PAY THEIR LOANS WITH YOU GUYS, YOUR SYSTEM IS PATHETIC