Debit order dates and refund

I took out a Service Plan with Liquid Capital, I requested that they debit me on the 23rd as that is the day my debit orders collect and that is the day I receive my salary. They said they can only debit me on the 25th because that is the day they have. I advised them that I have these unauthorized debit orders attacking my account lately and I move the money to another account. I was told by Sydney that there is nothing they can do. I asked if I want to cancel the policy what should I do, I was told I can cancel but I will not get a refund for the premiums debited (mind you I have not taken my car in for service and claimed from their policy) I am so furious they just do not want to help. Who decides when to debit people. Other people work in private sectors and they get paid on the 20th or 23rd, why cant we choose the debit date that suites us? who said everyone gets paid on the 15th, 25th or 31? If they cannot change my debit order date I want my money back I will pay cash for my services.