Miway taking money as please

I insured a vehicle at MiWay three months ago, the first debt order went through without a problem, the second month the debt order was put through to early as the agreed dated. I had to pay an \item returned fee"from my bank. MiWay requested me to furnish me with a bank statement to enable them to refund the unpaid item fee and which they did. They then took this month's debt order amount double as the agreed amount. I was then informed that they will refund the money that was debt in access within 72 hours or five working days. After explaining to the call centre agent that I need the money to cover other debt orders the only thing she could do was to apologise and that they will again refund the unpaid items. I numerously explain to them that it is not so much the money that will be refunded that I have a problem with but that it will look paid on my credit record. Looking that I am not able to commit to debt orders and finances. They are obviously not in control of the way they handle their finances..... if this is how the admin department goes about I am too afraid to ask how they will handle claim if need be. """