Poor Service from Miway Motor Insurance

I have took a Motor Insurance policy with Miway more than two years ago,I have never claim a cent most important I Never skip a month without payment. Miway has been debiting my account on the 28th of every month as per our agreement,from last year they keep on debit my account on different days of the month. Sometimes when they debit my acc only to find that there is no money so I get charges of R230,00 with my bank. I have spoke to them last year and the reason was that is the system,it stopped, this year January the same thing happened,they give me an excuses that it was an error. Now in April they have done the same way,run the debit on the 25th April again no one knows,no one want to take responsibility. I found the agent that I spoke to in the Retention Dept to be incompeted,arrogant, very rude. Miway again they have post me from pillar to post since 09h50 until 15h45 to be precisely. I have urge all my friend to cancel they policies with miway because of lack of agency and lack of professional. No one want to help me,no one want to take responsible. I need legal advise regarding the matter.