bad service

I went to Capitec to make quotation for loan, while the captured my payslip and bank statement I was told that the need to change my debit orders pay date for current loan outstanding balance, because am no longer receiving pay on 30 and 31, so they need to captured new date for the 25th and the debit order was sign to be deducted to my standard bank account where I received my monthly salary , but capitec loan collector went to my standard bank account on the 21Oct 15 to debit,but my standard bank shows that I only received the payment only 25th and am using cheque account,and if the debit was not received the charge me 110 fee, which am not happy with capitec to debit my loan before paydate , and go to my capitec account to debit the loan which i never made agreement with them, to debit to my capitec account on the 20th, I need capitec to payback my standard bank fee and to reversed the money back to capitec account.<br>