bad debit service

I opened a funeral cover Clientele a few years ago and specifically requested to have my contribution debited on 25 of each month ,clientele send a naedo tracking system on 23 or sometimes on irregular dates before the 25 th resulting in declined debits that tarnished my credit rating becouse of declined debits ,I then cancelled the life cover and the funeral cover on 26.01.2016 and changed my account details and opened a new life insurance and funeral cover with my bank Absa ,as Absa assured me that I will not be debited before the requested date becouse these declined debits before the time may result in the policy not being paid out in an event of a claim.<br> <br> I am verrry unhappy with the service I received from Clientele.