Debit account before agreed upon date

On the 24/11/2015 you debited my bank account with the premium amount. This was before I got paid, living my bank account at a minus balance. This led to the bank sending me an SMS alerting me to take charge of my account or will have a bad credit record. I then called Clientele to stop the early debit order tracking system. This morning (11/12/2015) a woke up to an SMS indicating that my account has been debited with the premium amount. This takes me out of my plans. Clientele, I don't owe you money, I pay so that you cover me. I am not a ***** that you must keep sniffing my money so that you can arrest it. It is my responsibility to pay premiums. You are inconveniencing me instead of covering me. You are desperate to take people' money and you are ruining people' credit records by your desperation to make money. Stop taking my money before the agreed upon date. If I don't pay on agreed upon date is me who will suffer the consequences not you. Just because money is available in my account it does not mean it is available for you.