Capitec: Early Debit Order from Incorrect Account and I get penalized

The agreement was that Capitec Bank is to debit on my FNB account on the 25th of each month for the loan I have with them.

Yesterday I got an sms stating that "no loan repayment was received". I was surprised because the November payment went through on the 25th. I ignored that sms. The next thing today I get an sms of the debit order from my Capitec savings account. I got shocked and went straight to the branch. The payment was reversed. But when I checked on my FNB account, there was an attempt for this debit order, but because there was no enough funds, the payment bounced. Now the problem at FNB is, for every bounced payment, there's a R100 penalty.

I made a call to the Capitec Customer care to lay a complaint, and the consultants were surprised because for Dec my debit order was scheduled for the 27th of Dec 2017, not on the 18th.

I don't want to be liable for the changes that the bank decided to make without consulting with me, as such I need Capitec Bank to pay that penalty fee to FNB (R100) as this was not my fault.

I hope to hear from the bank, soon.