High Banking Fees but no service!

I have sent numerous requests for the debit order date of my device payment, personal loan and revolving loan to be changed to the 1st as my salary only comes in on the last day of the month. Yet still after all these months there is no feedback and I am still incurring high charges because the debits are bouncing! I have enquired about the R89 debits every month x 2 and again no response!<br> <br> Please rectify these. Why am I paying such high account fees every month when I get no service! Its costing me more and more charges every month.<br>