Terrible first experience for a new client

Very disappointed in my MiWay, I switched from kingprice to MiWay and there were suppose to debit me on the 20th but it went off on the 18th and it bounced due to insufficient funds hence I said the 20th,my vehicle is financed and is still not covered and I've been calling them asking them to debit my account and it still hasn't gone off, it's affecting my credit record. VERY UNHAPPY & DISAPPOINTED