False arrears

<p>On the 18 of December I received a second sums for funds going out and I stopped the card.i did my investigations to my surprise capitec is taking money from my savings account before the contractual date we agreed upon.this in my books is ***** as I am not in arrears and you are charging Me and taking my money without my consent. You us are *******. You are supposed to debit me on the 25th or when I hit paid. Now I must pay Red for a card replacement because you were *****ing from me.if I was in arrears I would accept this but it is er apaulling and embarrassing to have a card decline where as you know you have funds.i wish not to pay for the card because if it wasn't for your ********** transfers I would have never cancelled the card.</p> <p>I cannot attach the statement for your perusal but surely you know what you have done. </p>