Capitec doesn't adhere to debit order date

I have a loan account with Capitec, and since the day I opened it, I have regretted not going to a real bank.<br> Every month when my pay date falls on a weekend, they have been looking for funds from the Friday. Then, since there's obviously no money in my transactional account at Standard Bank, it takes money from my Global 1 account. Then when my salary comes in (ALWAYS on the 28th) the debit order goes off, but they don't put the money they took back into my account. Then I have to call or go in and get them to put the money back as now the account shows that I've overpaid.<br> Then come December EVERY year, they assume I'll be paid on the 15th. (Funny, I don't recall assumptions being included in my contract.) This early debit date has NEVER been approved by me. There is no way what they're doing is legal.<br> All I ever do is fight with this useless bank. (And its always the same fight. No, I don't get paid earlier in December. Please reverse the debit order, I haven't been paid yet, you're now taking my savings money due to your assumption... then comes the 28th (WHEN I'm PAID) and I have to do a manual transfer!)<br> I am fed up! Counting the months till I'm done with this horrid bank (18)