Miway is just a bunch of ****** and Bullies

I have a Policy with Miway because my car is insured by them. The policy schedule makes it very clear that the preferred debit order collection date is the 16th of every month as I get paid on the 15th. Too my surprise, I noticed that yesterday Miway tried to debit my account (On the 13th of May) and found no money in the account because I had not been paid already. Now my bank charged me R147 for the unpaid debit order because Miway decided to debit my account earlier than our agreed date. I need someone from Miway to call me and explain to me how that happened and number 2, they need to understand that because of their own incompetence, they need to pay the money due to the bank of R147 as I will not pay it. If they are serious about keeping me on as a client they need to do what is right and take responsibility for their actions. Otherwise I am cancelling my Car insurance and also spreading the word to friends and family who are currently insured with them. Do what is right! We have a contract in place, honour it! I never gave you permission to debit my account on the 13th because I know the account will only be funded from the 15th onwards.