NO DEBIT ORDER DEDUCTED

Every end of the month Eduloan has consistently debited my account for the past 10 months. Last month (end of January), edu-loan did not debit my account, even though there was sufficient money in the account. I received an sms today being told to make an urgent payment. When I called Edu-loan I was told that I would incur interest if I did not pay urgently. Now, 9 days into the month I must find money to urgently pay for a mistake edu-loan made or else I will incur interest. Who's fault was this!?