Bad service by Direct Axis

I have a personal loan with Sanlam, administered by Direct Axis. My agreement with them is to debit my account the 22nd of each month with my instalment. This month, without any notice or agreement from my end, they one-sidedly debited my cheque account on 15 Dec 2025. In phoning the Call Centre, I was sarcastically told that customers received a SMS and email, where I would supposedly have given authorization, or not. I checked, and rechecked both platforms. Nothing!!!! Due to the debit order that could not be debited successfully, my bank charged me a R40 fee. !!!! I have transferred the funds to my cheque account, and they now took the instalment successfully on 16 Dec. Once again unauthorized!! It should have been on 22 Dec as agreed in the contract. I will NEVER, EVER take a loan or recommend Direct Axis for a loan. Their service is pathetic and how can one trust an organisation that takes funds in an unauthorized manner????