Not keeping to agreed debit order date

Hi. I have loan with Capitec Bank. As far as I remember, the agreed date for them to take my monthly repayment is the 28th because that is only when my salary is paid in. This month they took the few rand I had left in my account on 24th already and today they send me an sms saying if I don't pay the outstanding amount it will affect my credit record!! This is not right Capitec Bank. You are not keeping to the agreed date!! I am not happy with the way you handle this! Please stay with the agreed date of the 28th.