Dissapointed in the service

Good day I'm very dissapointed with capitec I just got a second message that they will do deductions on my funeral plan with them between the 15 and 23 this month my debit order is set for the 3rd of eachpnth money went off on the 3rd of dec and there will be no funds until 3rd Jan 23 as I am currently unemployed my question is who is going for the reversal when no funds is available I do realise that they will do bulk debit requests but I mean don't you consider the actual person who's debit it is surely there is a reason for a given date... I did not agree to this action I went to the bank today and had to leave after waiting for more than half an hour to be assisted the girl at the door on strand did not even listen to what I was asking just interrupted me mid sentence and gave me a ticker 189...I mean I am a valid customer my salary use to go into this acc don't I get a say wrt my debit order deductions