Capitec Bank

I have a standing account with Capitec. In general I cannot complaint about their service. However I am battling with deductions of installments of my loan. When applying for a loan you have to confirm the date on which you receive your monthly salary, which in my case is the 28th day of each month to ensure that the necessary funds will be available for the debit order of the installment of the loan amount. February has 28 days, and still I only receive my salary on the 28th. Capitec decided that because February is 2 to 3 days shorter than other months that they will take the balance in my account, which is for my living expenses until I receive my salary and way not sufficient for the full installment to be deducted. They then, without notice to myself, decided to deduct monies from my account, which is totally out of line with the agreement that I have with them, and which is not sufficient to cover the installment TWO DAYS BEFORE I RECECEIVE MY SALARY. Now this is the second time that this happens. When they do this, it reflects negatively on my credit records at ITC. Due to their unilateral change of date, which is not as per agreement when I query about my credit record and how they will rectify the fact that my credit record gets influenced by their actions, as it then reflects that i am in arrears with payments, they would just tell me that they cannot rectify it, i will just have to wait out 3 months and it will automatically be amended. This is unacceptable and due to their admin and house not being in order i am severely prejudiced by their actions. I make sure that the installment first be deducted on the day that I receive my salary on the 28th day of the month, as per agreement. They don't care and they try to pin the mistake on me by asking if i am sure that I provided them with the correct information....REALLY....I am not at all happy with this due to the prejudice I suffer because of them.