They offered me a payment holiday when my salary was reduced last year but failed to inform me that they were creating another loan account for this called covid loan

They offered me a payment holiday when my salary was reduced last year but failed to inform me that they were creating another loan account for this called covid loan. I started a new job in June and notified all parties of the change of my salary date. They still continue to debit my account on the wrong date following phone calls and endless emails advising them I no longer get paid on the 20th and to please change debit order date to 31st. I am penalized by the bank for having insufficient funds and this also affect my credit rating as I have a cheque account. I have to pay in R100 per returned debit order because of this company's negligence.