how dare you ?

Would like to know who gave Capfin the right to debit my account on the 10th of December? My agreement with you want to debit on the 20th of each month don't know when has 20 turned into 10. This is in breach of our contract/agreement and would like to get confirmation where I agreed telephonically or in writing that you as my creditor can debit my account as and when you please. I have never skipped any payment so I really don't understand why you had to debit my account without my consent. I had to be embarrassed in front of my family when I had to pay for goods purchased and there was insufficient funds. This is uncalled for and I really don't appreciate it at all. I had to contact my bank to enquire and to my surprise Capfin indulged yourself in my account, another cost of contacting the bank and who will compensate me for that? .... I need feedback on this and before you contact me ensure that you have confirmation from myself approving such nxaaa!