Jan 2018 debit order processed on 31 Dec 2017

Good day, Thank you for your reply, however, the only SMS I can find is a SMS from "DHMS" on 28 Dec and 12/12 advising about the debit order. I have never before received SMS's from a company called "DHMS" and therefore ignored it as all previous sms's were from "Discovery Health Medical Scheme." Someone could at least have advised the public that Discovery Health Medical Scheme will be using abbreviations in their messages. "DHMS" could just as well mean "Day-Hour-Minute-Second" for that matter. Had I known that it was from Discovery, I would have acted on it to ensure the funds were available. In the end I had to pay R100 unpaid fee, together with R750 interest charge for exceeding my overdraft limit. I would appreciate a refund.