debiting on a wrong date, breach of contract

i am very much not happy about the service clientele is giving , i took life cover with them last year May and made it clear with them that i am getting paid on the 20th of each month , whether it falls on the weekend or not. i am ****ed off because clientele with naedo debit order they debiting me 3days before my pay day in which i don't have money in the and every time incur unpaid debit order in my account and it has affected my credit record negatively.i called in on the 17th of April cause i received an sms saying they will debit my account on the 17th i should leave money, where the F*** r they expecting that money from? and i called in immediately avoiding that to happen , and spoke to the lady said its because of the tracking device and promised will cancel it and it will request money from my account on the 20th only.<br> <br> well the following day i received an sms from the bank saying my debit order returned unpaid because of the insufficient funds , i am tired of calling clientele in regards to that and they in breach of contract.<br> <br> i want clientele to compensate me of unpaid debit order fees and also to send a ltr to credit Bureau to clear that as it has reflected badly.