Capitec collection department policy

Capitec collection services or policy is very bad. It's a pity that I have forgotten the name of the mean consultant whom I spoke over the phone.

I have a personal loan with capitec bank of which we had an agreement that the debits should go on the 25th of every month. Now they have been taking their money before the date which led to me deciding to give them a call as to fix this error or so I thought it was. I was shocked to find out that it is actually they business model that they contact the employer of the borrower to get the company's pay run and sync it with the debit dates, now my issue comes in when they go into my account(other bank) and debit before I got paid. for the second time now the other bank gives me a call to fix this error as it incur more bank charges. the consultant told me to take the matter with my employer who is supposed to pay me today 22nd May 2020 Friday instead of 25th Monday. How do I even begin to address this issue with the employer whereas my agreement is with the credit provide that the debits should run on the 25th of each month? Am I supposed to tell the employer to pay me before the date so that capitec will get their money whenever they wants it?

What really stood out for me with that lady consultant was, when I suggested that we fix the error and run the debits on the date or after the date 25th, she told me that is not going to happen because the bank goes to the employer's pay run to sync with their debit dates. So doesn't that mean they breach the contract we had for the 25th as the debit date? And when I asked about my arrears with the other bank, she responded: "Just pay the fees sir".

This is the worst service I have had in a longest I had to write a review about it.