Shoddy communication on early debit orders

FNB has now affected my credit rating negatively as well as forcing me to pay unnecessary banking fees because they could not communicate that they are taking debit orders early.

I only get paid on the 24th of the month and they took my loan debit order off today. It, of course, bounced and now I have to pay fees because of them.

This is ridiculous and I am horrified at the attitude of the consultants that told me "It's December, everyone takes debit orders off early". Yes, but most of these companies communicate their intent FIRST and give you the option to decline.