Why did you debit my account?

I took 3 policy with Clientele and I told that salesperson that my debit day should be on the 25th of every month, if it falls on a weekend or holiday then they can debit me a day before or after. He said yes sir, he will do so. They once debited me 10 days before the 25th, so I called them and they said it something they do now and then, I asked them never to do it on my account again. Yesterday on the 11th they took my last R149 and I was left with R41 in my account, I needed to use this cash to go to work and go pick up my son from his mother's since schools are closed. I didn't go to work and probably I'm getting a warning or even worse, my son is disappointed and his mother keeps swearing at me since she had somewhere to go but couldn't. I have a legal plan, hospital cash back and funeral plan-I want to cancel it all and get all my premiums back, I have never claimed or used any of it anyway. I'm going to reverse and stop these debit from my bank. You cannot just do as you please on my account, I'm really angry and I wish my lawyers were with a different company so I can use them now but I was stupid to have you as my lawyers as well. I want my premiums back!