Capitec collection department bad service

<p>The collection department changed the debit order on their system to run in the middle of the month insited of the last day of the month like the loan agreement stipulates that i signed. so i dont understand why they keep changing the dates on the system because this results in my account going into a negative which ruins my credit record all because the people clearly cant operate the system. I dont understand what is diffucult in fixing this thing. if the contact says the debit order must run last day of the month i dont expect my account to be debited in the midlle of the month coz 1. I havent been paid as yet.</p>