Unauthorised debit order date

So I trusted Capfin over the past few years for when I need a small loan cash. I paid 1st and finish without any problem with them. I encountered problem in December 2020 payment when my account were debited before authorized date but that was explained and with little knowledge in regards to December debits I understood even though I wasn't notified prior. On the 12 February 2021 I was ****ed off again my account debited before the authorized payment date and I didn't hesitate do the reversal of that debit and that wasn't because I didn't have money or whatsoever but for them to honor the agreement as it is because there was a reason such agreement at 1st. Now they busy calling me non stop telling me my account its on arrears and I asked the consultant why is that so? She said of reversal I made and I asked when are you supposed to debit my account and she knows the debit order date is the 15th. So I needed a reason why my account its debited before authorized date. Her respond was if the 15 which is my pay date it's over the weekend then the debit will go on a working day which is before the 15th and that I know. She further said their policy said if the my pay day(15th) is on Monday debit order will go on Friday the 12th as it was in this case and this has never happened before and I find it very stupidity as to how do you debit a client account before he/she can get paid were do you expect the money to come from. I was asked to make arrangements for payment and I simply told the lady that Capfin must just take their debit order as per agreement/authorized then we all good. I dislike institution that do as they wish with my account as if it's their personal account or their home were they come in/out as they pleases. If this how they operate they are no good to their customer because they are trying to mess up with clients credit record. What ****ed me off more to an extend that I find them disgusting it's the fact that such nonsensical agreements has never happened for a 2years I have been repaying this nonsense institution.