PATHETIC SERVICE FOR SUCH A SIMPLE REQUEST

I held for over half an hour on two different occasions for someone to assist me in changing my loan debit order date and both times I was cut off. Why would you have the debit order date as the 21st of the month anyway? Who on earth has money still in their account at that point in the month and apart from that it is obvious that a client of any kind would only choose 1 of two dates as a preferred date of debit order either the 1st or the last day of the month. YOUR SYSTEM SHOULD BE SET TO A DEFAULT OF EITHER THE LAST DAY OF THE MONTH OR THE 1ST DAY OF THE MONTH. I should not have to hold on for over an hour and be subjected to frustration and anxiety of this nature because as I have just stated it is obvious that no one would choose the 21st as a debit order date! I really hope one of your representatives contact me to help me change the debit order date.