Worse Financial Institution ever

I have been a loyal,paying client of Direct Axis.While preparing for the holiday season , taking the children on a fun day, my debit card shows declined when trying to pay. Although i did not received my salary as yet , i kept my savings in my account because i knew i will used it this long weekend. When transactions was decline i immediately investigate into my app and just to see that this Direct Axis debited their monthly payment, 10 days before the aggreed payment due date.What a disgraced company do this to their clients without any communication. When i phoned them to enquire they just said its a system error and they will do an immediate refund , 2 days later im still waiting. My family and me was heart broken because it was a long weekend break away as i dont get to spend time during the festive season. Direct Axis is the worst company ever because they dont respond to emails, no response to queries. My plea to members of the public is rather go a reliable bank to apply for a loan . I still cannot understand how this company can operate when so much complaints is being received. I feel like suing them for pain , discomfort and theft because i never gave them permission to do a early debit order. My children suffered suffered the most as i had no extra money and had to return home.