Complaint about Finchoice

Finchoice is really a terrible company to deal with. My debit order is set for the 20th of each month. 08:00 on the 20th I get a phone call from Finchoice informing me that my account is now in arrears and I need to make a payment. My debit order went off, as always, on the 20th. I have a mobi money facility with finchoice and it is not what they claim it to be. I paid my accounts, everything is up to date and I still have no access to the mobi money account. Every month I fall into financial difficulty because of this company. I am very unhappy.