Debiting before I have funds available

Although I am happy having consolidated my debt with Capitec, I am not happy with the fact that they keep on debiting me early every single month when there is no funds available. My salary is and always have been available on the 25th of every month. It is utter **** that they debit on the \salary drop"date. It has caused that I have been paying R140 penalties every single months since I app**** for the consolidation loan. This is utterly unacceptable. It is my right as a consumer to choose the debit date. I have now again received an early debit notification from my bank and will once again this month pay a penalty of R140!!!! I am very unhappy and this is unacceptable!!!! I have never before encountered a problem like this where the supplier decides randomly when they wish to debit you! ***?!"""