Always debited me before the debit order date

My debit order for policy ********** 8 is on the 25th of each month. The attached document confirms it is on the 25th. I was debited early in December even though I asked to be debited on the 25th. When I called in December to query this your call centre agent advised me that you guys use Naedo tracking and if there is funds available you guys will debit my account. Please explain to me why did you guys try debiting me yesterday when I had no funds in my account? I transfer all my money into my investments. I have attached a bank statement from the bank, I had no funds last night which resulted me in paying a fee of R150 for a return debit order. I have called ABSA and they have confirmed the debit order bounced and will generate a fee of R150. However this is not my fault as my debit order date is set for the 25th. I would like the following from a Hollard senior manager: • A refund of R150 for the return debit order. • An explanation to be sent to the credit bureau so that my credit score is not affected. • A written apology as well as to never debit me before the 25th. Please note that if my terms are not met, I will be informing the ombudsman of this. Please action my request urgently.