Early Debit orders

I cannot express my disappointment and frustration towards Hollard Insurance, i'm sick to my stomach. On my funeral policy it clearly states that i get paid on the 27th of every month, yet they insist on debiting before i get paid and the debit order bounces which leaves me with a negative in my account. This is affecting my credit record and is unacceptable. I'm even thinking of cancelling the stupid funeral cover because this is really unacceptable.!!!