Capitec dishonour and change debit order dates without my consent.

Again, I have to direct a complaint to Capitec bank. My problems with them just doesn't stop.

I requested many times that my personal loan account debit order be taken on my pay date, the 22nd of every month, but they told my they are not able to do it. (unlike all other banking and retail institutions that takes my debit order on the 22nd. They then said they can only do so on the 21st.

Yesterday, which was the 18th, they too the debit order from my bank account unannounced and without informing me or asking my permission. I was surprised to see this and it is just by luck that there was enough funds in my account at the time. What would have happened if rhere was not enough funds???

This is breaching of contract. I NEVER gave any permission for them to take any debit order on the 18th.

I thinking of reporting this to the banking ombudsman.

Please explain to me why this was done without any communication to me and without my authorization.

I want to know the exact reason for this.

My pay day this month falls on a Sunday. This means that the debit order will be taken earlier, but on the Friday before and definitely NOT on the Wednesday?

This is why I HATE debit orders and prefer to make payments manually on the day I get paid. But Capitec won't allow this. So they just deduct the debit order at any random time they like.

This haven't been the first similar complaint. Search the history of my complaints and you will see similar things happening over and over again.

This is bad, bad banking practice.

Clarify this and FIX this once and for all. I am really starting to regret moving to Capitec.

Don't calle randomly. Send ma an email and make a time with me when you will call as I am not available on a phone for most of the day.