Capitec in breach of contract

This is the second time we nees to log this complaint against Capitec, seems like we need to bring this 'problem' under the attention of the public in social media as Capitec is in fact commiting of breach of contract and do not stick to their own contract. My wife has taken a personal loan with capitec several times, her salary date has NEVER changed and is by contract the 25th. The earliest that se got salary was when the 25th fell on a sunday and paid on the 23rd of the month. However, capitec decided to deduct the debit order on the 19th of previous month, 6 days before salary date and thus earning interest 6 days more then they should. If they can do this with us, they also do this with their other clients. Everytime we need to go into the branch in order for them to request manual change, absurd, as it wastes our time and never get corrected. Apart from the fact that capitec take money way before salary date as per contract, fnb her primary bank, charge R8 for every failed attempt by capitec to try to take money earlier then agreed. What is the purpose of having a contract in place that only protect the bank but you dont stick to your own rules and regulations. This matter has been addresses one timw too much and will be taken up with the ombudsman as well.