Incorrect debit order date without my concern

I am a first time loan client at Capitec from this year and they have been debiting me on my pay day date being the 20th of every month with no fail. I got a robot call on the 5th of Dec advising me that they will debit earlier in December and if I am in agreement I should press 1 otherwise press 2 if I am not of which I was not in agreement and I chose that option. I was then told that a consultant will give me a call for further arrangements and I received no such call. I then went to Capitec today to find out why I was charged on the 13th because I was not yet paid. Firstly I got charged a debit order bouncing fee of R105 and secondly, I have a red flag of arrears affecting my credit record. I also asked that they change my debit arrangement from the 13th in December to the 15th because that when I get paid but I was told I should put through a complaint because their policy is that they debit earlier in December. My question was that: it is all good and well to tell me about a policy but if I don't have money in my account then it defeats the purpose but in fact creates a whole lot of problems for me as a client. One, my credit record gets affected negatively and secondly, I incur unnecessary charges from my bank because the debit order comes from an external bank. Can they atleast think for once in a customer's shoes? If I wanted to ruin my credit record I should have done that throughout the year by reversing the debit orders but I was loyal to the end of the deal with them and they got their money without fail on the 20th of each month. All I am asking is for them to change the date from the 13th to the 15th for the coming 2 years because it shows that I will still be debited on 13th, is that too much to ask? I am not willing to go through what I went through this December were I get negatively affected as a client. I am not going to let Capitec tarnish my credit record, I am very capable of doing so myself but I chose not to.