EARLY DEBIT ORDER THAT CANNOT BE REFUNDED

I AM DISGUSTED WITH THIS BANK. I HAVE A DEBIT ORDER THAT HAS BEEN RUNNING CORRECTLY SINCE I OPENED A LOAN ACCOUNT IN DECEMBER. ALL OF A SUDDEN TODAY THE DEBIT ORDER GOES OFF, LEAVING ME CASH TRAPPED, WHEN MY SALARY ONLY GOES IN ON THE 20TH OF EACH MONTH INTO MY NEDBANK ACCOUNT. I HAD CALLED THE BANK ABOUT 10 TIMES FROM AROUNG 2PM AND WAS SHOVED FROM CLIET SERVICES TO COLLECTIONS, WHO ADVISED THEY CANNOT HELP, BACK TO CLIENT SERVICES WHO CANNOT HELP AND BACK TO COLLECTIONS WHO ADVISED THAT I ALL OF A SUDDEN HAVE A CAPITEC SAVING ACCOUNT ( BY THE WAY , THAT WAS NEVER DISCLOSED). I BORROWED MONEY YESTERDAY SO THAT IT CAN CARRY MY FAMILY AND I TO THE 20TH, BUT HEY CAPITEC DECIDED TO DEBIT ME TODAY. NOW I DONT HAVE MONEY TO PAY DAY. I WAS TOLD THAT IF I WANT TO DISPUTE THIS I CAN GO TO MY BANK, BUT THIS IS NOT MY FAULT, YOU CANNOT DO WHAT YOU WANT CAPITEC. AS IT IS WE ARE TRYING TO LIVE , AND NOW THANKS TO YOU , THAT CANT EVEN HAPPEN. I AM GOING TO HAVE MY THREE CHILDREN REMOVE THERE ACCOUNTS FROM YOU GUYS, AND ONCE I HAVE PAID THIS LOAN, I WILL NEVER EVER BE INTERESTED IN DEALING WITH A COMPANY THAT DOES WHAT THEY WANT ,AND THERE AGENTS PUSH YOU ARROUND.