Late debit and now I am being blamed

Over the course of January I took a multiloan through my Capitec cellphone app as I needed cash quickly and had no access to my own funds at the time.<br> <br> The repayment date of the loan was meant to go off on the 27th of January as that is the day folloing my salary payment.<br> <br> Up until today, 5/2/2016 no funds have been debited from my account.<br> <br> I enquired about it on the 2nd of February and was told I would receive feedback in two days. I received the feedback noting my issue and was told that someone would be in contact with me regarding the query.<br> <br> I then received a mail from Yandiswa Manyefana stating that the debit was submitted on the 29th of the month, which firstly is two days later than the scheduled date, but on top of that she said that it was rejected due to insufficient funds. However, as per my bank statements I had more than enough money in the account to pay a measly R570.<br> <br> She then instructed me to visit my nearest branch to make a cash payment? This is what upsets me. Firstly the fault was clearly because the incorrect debit date was submitted, secondly now I must take time out of my schedule to make sure my credit record remains secure. This is not on.