Not able to change debit order

<p>I have got a loan with capitec and have been advised that I will not get bank charges from my bank as my money clears late in the evening but they have to set the debit order for the last day of the month. I have been charged each month by my bank as they are going into my account beforre my salary clears. I have requested for the debot order to be changed to the 1st monthly so i will no longer get charged by the bank for this. Capitec bank have said that they are not able to do this. I will go each month to get my charges refunded to me, as this is not my fault I am getting charged. When I took the loan out over the phone agent had advised me that I WOULD not get charged b y the bank for the debit order due to the way they attempt payment. Calls are recorded so I would like the call listened into and this sorted out, as I made it clear when I took this loan out that my salary clears later in the evening and I would get charged. I was advised this would not happen and if it did I would get refunded. </p>