pathetic reason for early debiting

I have called your operators to fix this early debit orders because I'm applying for a home loan and you made me be penalized and only qualify for an 80% loan due to your early debiting. Isn't there a way to take you to court because I am just done with miway as this is unrepairable damage you caused me. For the people that doesn't get the answers I get when I call the crazy reason is to assure there's money when debiting the insurance. I just joined miway 3 months ago and its constantly the same thing. I mean what's the agreed date all about then???? I bet you loose a huge amount of client with your pathetic strategy. So disappointed in your service in this few months. Cheers!!!