Unpaid charges billed on my Bank account

Dear Ms Ndlovu <br> Kindly note, according to our system your debit day is the 25th of each month.<br> Our sincere apologies for any inconvenience caused, by the early debit order that was submitted on your account.<br> Client?le will use reasonable premium collection methods such as Naedo tracking which may include debiting your account a few days early so you and your family will enjoy cover. If there is no money is your bank account on the agreed date we will try again over the next few days, should we have no success in your premium collection. If Client?le is not successful in obtaining your premium, we will resubmit the debit instruction to your bank at any time. This could potentially result in a double deduction on the next debit date.<br> Should your premium be unmet at the end of the tracking period, a normal unmet fee will be charged, specific to your banking institute.Moving forward, should your debit date be over weekend or public holiday, we will debit your account on the first working day thereafter.A refund has been submitted and forwarded to the relevant department concerned for processing which may take up to 7 working days. No payment made as yet till today,