Incorrect debit dates on purpose to charge you a penalty

To be fair, I already saw others complaining about this but desperation got the best of me. They will set the debit date earlier than you specified - if there's no money in your account, you will pay the penalty. lol I borrowed R3700 to pay it back in 2 months. In all, I paid them back roughly just over R5000, mind you - I never missed payment on the day I specified as my salary date and they debited accordingly but they first debit on the 18th and then they try again on the 25th. lol who gets paid on the 18th. Anyway, would never use them again. Hopefully I never have to take a loan again.