we (Discover) mess up but it is your fault FIX IT

I am going to start this off with a small bit of comman sense and logic The examples here are not the actual amounts When sign a debit order (in this case life cover) for R100 you are expect to have R100 in the bank on the day When the debit order runs the bank will see you have R100 available then give the company 9in this case Discover Life)the R100, if for what ever reason there is not R100 available the debit order will bounce back The bank will not see that you only have R90 available and give that to the company, it is a all or nothing situation Now for my problem My Discover Life debit order went off successfully as it should have no bounce back as per my bank statement Then to my surprise I received an e-mail stating that my premium is in arrears of R190 and that I need to make arrangements to pay I would like someone from Discovery to explain to me as to how this is possible If Discovery Life asked for a certain amount and that amount was not fully available it would have bounced back (comman sense and logic) So in my opinion Discovery has joined the gang of *** is going on companies They make an incorrect request to the bank get the amount they requested realize there is an issue and lay blame on the client instead of sending an e-mail stating that they made a mistake (I would be a lot happier receiving that) and then making it up when the new debit order runs they make it seem like I messed up Now my cover is in jeopardy should something happen to me my family would be left to fend for themselves, Discover will just turn and say oh well the premium was not paid so we will not pay out (maybe this is the bigger plan) I am almost willing to put my head on a block that this would not make it to CEO level nor will I receive a call from the CEO explaining the incompetence of the staff employed I will seriously be considering talking to my broker to move my cover to a company that actually knows what it is doing