Describe Capitec in 3 word: WORST BANK EVER

I have a loan at Capitec for my studies. Which I pay every month, because my studies are important to me. Then yesterday money was taken out of my account that was for my mother, must I add. The money taken was for my loan, but it didn't make sense at all. I contacted the above mentioned, Ziqhamo, regarding this amount that was taken off. So he/she gave me another email. I contacted Cindy, very helpful, but told me my debit order date is the 25th of each month BUT MY CONTRACT STATES THE 26TH of each month. Then a Michelle lady called my and told me I need to pay my loan today otherwise there will be 1 months' interest added. WHERE THE HELL DOES THAT LOGIC FIT IN????? I have asked the above mentioned, Ziqhamo, more than once if I can change my date to the end of the month, reason for this is I don't always get my salary promptly on the 26th, he said I don't have to worry about that, the money will go off anyway. Someone changed the date to the 25th without my permission, I never once received my salary on the 25th. I'm really upset, I want to have an good credit record but this is what's happening. I'm 19 years old and you are ruining my financial life.