Debit error that left me stranded

I took car insurance with Miway and the agreement was that the premium would be debited on the 1st of every month because I receive money at the end of the month. Now I've just filled up my car the filling station. My card keeps on declining, when I check, Miway has taken my money on the 28th, 4 days before the agreed debit date. Now I'm at the fuel station with no money to pay. I contacted Miway, spoke to an agent called Lindiwe Mabuse. She told me that it's an error on their side, but she can't do anything about it. Is they request for the money to be returned it will take 3 working days. That time I need to pay for the fuel now. She keeps on telling me that she's sorry for the inconvenience and that she understands my frustration, but that doesn't pay the money they took. This is a complete bridge of contract. Now I'm stranded because of Miway. What a way to welcome a new client.