Early debit order deduction

I received an sms from my bank on the 17th of January warning me that my Capitec debit order for my personal loan will go off within 24 hours and that I had to fund my account immediately, as I did not have enough funds. I immediately phoned Capitec and was assured that it was not the case, because my debit order date is the 25th of every month. Guess what, Capitec did try to debit my account, which bounced because of insufficient funds. This has happened before and after numerous calls and complaints I was promised that It would not happen again. Yet, every month as soon as my salary is paid, Capitec debits, whether it is on the 25th or not. This month it was on the 17th long before my salary date of the 25th. You cannot break your contract with your customers like this. It is ******** to take money from my account before our agreed date. Last time this happened, the moment my salary was paid in, you deducted 2 installments. Totally unacceptable.