debiting bank account on incorrect day

i would like to complain about the way in which things are being handled, i have 2 contracts with you people and from the start you have been taking money from me on the 23rd of the month and i only get paid on the 25th.I haven't complained about this previously but you took money yesterday which i desperately needed to take my daughter to the doctor and i couldn't.

when i phoned in your consultant couldn't help me and they got some lady called cara lee and she is rude and everytime i talked she talked over me and when i asked her to be quiet and listen to me she got angry and started being abusive.

i need that money desperately and it needs to be refunded to me today so i can take my daughter to the doctor.

is this how you do ************ business and dont adhere to whats arranged