Debit Orders

Good day<br> <br> I want to complain about Capitec Bank.<br> <br> I apply for a loan and paid my account on time via debit order for the 25th of each month. Every December Capitec try and put the debit order thru on the 15th of the month. I am getting paid on the 25th, it does not matter if it is December or any other month. I keep phoning and tell them that, but they keep sending me sms'es and tell me that my credit record will be effected. I am disabled and transport is a problem. Every time I need to rectify my debit order charges that Capitec causes I need to go to the branch. I phoned them and ask why the keep doing this , and they said that everybody get paid early in December so they are taking the money also early. They also said that they called my HR department and they said we are getting paid by the 15th. That was a lie because I ask them and they said nobody phoned them. Why can't they send a sms like all the other Company's to give you the choice to say ( hey it is fine , you can take the money by whatever date, or no please take the money like we have arranged on the the contract.