Bad experience

i'm struggling to even explain my frustration. 1st i went to the bank to arrange that my revolving credit plan (loan) and my overdraft debit order go off on the last day of the month. i was told all this is in order. But now every-month after the 25th a debit order for the credit plan goes off before the last day of the month. By which at that time i have no money in my account. so its always bouncing. i just don't understand why this can't be fixed.Secondly, my credit card account is no longer appearing on my account, meaning i can't deposit money into the account. after its disappeared for a while, the bank started debiting money without my permission. so every time i get money my fnb card would take money. this has really inconvenienced me in a very negative way. i need this fixed or i'll be forced to change banks. the constant bank charges that i don't even understand. can someone please handle this and help me.