Capitec have destroyed my trust

We do not have medical aid so took a Capitec loan to pay for my wife's needed operation. Despite her asking for the money to go off after the date she is mostly paid (27th of each month) they insisted on making the debit order for the 26th. The first payment should have gone off on the 26th of December - they tried to take it off on the 20th and there was not enough money so it was returned. They then took the money out of the account that the loan had been paid on the 21st - we needed that money to pay the doctors and hospital - now we are short. My wife's salary was then paid in today (22nd) into her Standard Banks account. As true as nuts they took another payment off of that account so now we have made two payments (which we cannot afford) in one month due to their dishonesty. I went into the bank to complain but could do nothing as I do not have power of attorney on that account and my wife is still in hospital. I was rudely told by an obviously irritated employee that the loan agreement states that they may take the payment off up to 5 days before the date given. I read the agreement - it does not say that and nothing of the sort was mentioned to my wife. Capitec are *****!