Lack of transparency from Mundo and telkom

I took up a cell phone contract from mundo on behalf of telkom and was not told that if a debit order bounces there's a penalty fee of R201 which is more than my contract amount firstly and secondly I have been making manual eft payments of the agreed amount but now have my services with telkom suspended due to the bounced debits does it make sense to pay R201 for a bonced payment that's resolved within 5 days after it bounced?