Bank debit order date

I recently app**** for Capitec loan and what is now happening is that they are debiting my account of the wrong dates. I am getting paid on the 24th of each month not 22nd. Every time they debit I get charged R150 for a bouncing debit order. I have tried calling Capitec to explain this and they are refusing to help me.

What doesn't make sense to me is the fact that they confirm to me that they start tracking as early as 20th why cant they wait until 24th.

If this des not stop it will simply mean every month I need to pay the loan and the bank changes since they will always be a debit order that bounce.

If you can not help me I will be forced to close my bank account and pay this loan cash instead of debit order as it is costing me R150 extra every month. As I am writing this message you debited on Saturday and you didn't get any money and now today when my salary gets paid you will debit and will cover tR150 changes from my bank.

Like I said if you can not help me I will close my bank account and I will pay the loan on the 24th of every month and that will save me from paying unnecessary bank charges.