Tired of Discovery full stop, always drama and headaches

I only joined Discovery Insure in February and I have already had it! You people treat my bank account as your own deducting willy nilly and now this has cost me R540 from my own bank. When I first moved insurances I was deducted before the 7th without informing me, luckily I had money in my account, then the second time there was no problem as the consultant informed me and I made sure the money was in the account, now I added an item that cost R74 a month and was told "if" the amount is over R50 (I heard R50 so don't care that now you are telling me he said R40 even though another consultant informed me R36 so that amount is thumbsucked too) there will be a deduction within 48 hours and it has cost me a rebate from FNB amounting to R540 because FNB is saying my account was overdrawn because of Discovery's deduction. Firstly, those recordings belong to you and I cannot hear that your consultant said R40, but MUST these things NOT BE IN WRITING!!! Also your consultant was not even sure himself if the deduction was coming off, why should I be? He should have stated facts and told me that an amount of R51.84 will be deducted within 48 hours! Fault is omission too and he omitted to tell me the amount of R51.84. The onus CANNOT be on a client for not asking!!!! ! As a supposedly reputable financial institution you should be clear on when deductions are coming off people's bank accounts and inform these things in writing as my bank account belongs to ME and ME only, it is not for Discovery to just deduct when they feel like it. I have never in my entire life heard of such a thing that allows companies to deduct as they feel like it outside of debit order dates, is this your testing the waters of your supposed bank so you can make money of of unpaid fees!!!!

Lastly, my medical aid, insurance and credit card is with Discovery, I am really done trying to build a relationship with your institution, it is hard and for someone who does not have the time or admin to deal with such a company, I am really considering moving my portfolio somewhere else. Things should just be easy for those who have hectic lives trying to make the money that is taken for granted.