Miway doesn't do it MY WAY despite contractual ter

My contractual debit order date is the last day of the month. MiWay deducts the debit orders early and of course they are returned by my bank. I've had a query which has taken almost a month to resolve, so where is MiWay doing things MY WAY? The bank charges on these returns sice October amount to over R1000 and like many others, we live on the breadline. I have asked to process the premium via EFT which I have been denied again MiWay doing things their way! Furthermore, When I negotiated my policy, I negotiated the lowest excess fee - which MiWay just increased some time ago. Is this allowed? Be careful when you see the advert \MiWay - doing things YOUR WAY". I spoke to an agent again this morning and now wait and see if this is finally rectified. """