unprofessional service

I took a life cover with INSTANT LIFE , everything was done well , however when it came to the debit order date , INSTANT LIFE took the debit order on the 19th , causing a DISHOURED debit on my account I called the number to enquire the calls keeps getting cut , so now INSTANT LIFE , you are negatively affecting my credit , your service is unprofessional , your billing is unprofessional why would you debit on the 19th when I requested the 21st I requested for the 21st reason being I got paid on the 20th ? so if this is happening this early in the relationship what happens when it’s time to claim ?