******** tracking on my Bank Acc

Capfin and I have a loan agreement that each last day of the month or tge friday, which is a working and the month ends over the weekend to collect only once at that time their installment on a montly basis. But I am sitting with a problem of them tracking money on my account on monthly basis which reflects badly on my already bad profile at credit bureaus that imtrying to fix.

This does not only affect my credit record but severly crushes my finances monthly as my bank will charge me R150.00 for these transactions as I used to have a cheque account which helps in things like hiring out a car.

Now I have to change my lifestyle and use a savings account, being forced by capfin to fo so, who totally refuses to reimburse me these charges. I fail to understand as not a single have i not paid my installment with them.

Can somebody please assists as I know this is an ******* practice according to the CPA , please please someone help me.