NAEDO Tracking on my account for CAPITEC Funeral policy on the wrong debit order date

I had this problem with you guys last month and was told someone would get back to me and no one did.

I have 2 funeral policies with you guys and have an agreement that you will debit me on the 25th, I do not have a single month since taking the cover that I have not paid it yet you insist on NAEDO tracking my account on the 23rd, you then debit the little bit of money I have left for the two days before payday, today this lead to an embarrassing situation for me where I knew I had money in my account, swiped and got declined, when I checked you guys debited for the funeral policy ahead of the agreed date, surely this is not according to our contract, even if you did hide it somewhere in the fine print it is highly inconvenient and leaves a very bad taste in a customers mouth! I have now had to reverse your debit orders which you will charge me for, then On friday I will need to call you guys to arrange payment so that my policies dont lapse.

This is me incurring extra costs to be your client, is this fair??