Debit order taken a day before my payday

I am so angry with Metropolitan, I have funeral cover for a R47 the debit order is suppose to go off on my pay day which is the 20th of each month. Momentum decided to take the funeral cover on the 19th when I had no money in account, this resulted in having my debit order returned which is now going to have record in my name, I have never had a debit order returned in my account, my bank charged me R115 for the R47 debit order. I have an application I am busy with which is affected by this. I demand a letter of explanation or apology and a refund for R115 that I was charged other I will cancel all my policies with Momentum. I am so angry Njabulo Meyiwa