Staff are useless and now im paying the price

So I have paid 4 premiums first debit order came off my boyfriends account and the rest off mine. The debit order date was asked to be the 26th of each month, which I was told was changed when I changed the debit order to my account. Now 3 months later it has not changed, first my account got suspended (why I don't know and they cant tell me either - no debits had bounced last month) now this month being the 29.09.15 they decide to debit my account and it was declined by my bank due to me drawing all my money out. Now I have a R90 bounced fee. Every month I have to call in to find out when they debiting as by the last day of last month my account still didn't get debited so they debited me on the 1st of this month. Now they telling me on Friday when the bank tells them it bounced my account will be suspended until they debit me again next week.. HOW IS THIS MY FAULT. USELESS SERVICE , IM disgusted in what service I have been given. I was also told after the 3rd premium I can use day to day. I have now paid 4 premiums and only on the 1 October can I start to claim. What a load of *******. Who is going to pay my bounced fee due to your staff and insure my policy does not laps ?