Debit order discrepancy

I am not someone who usually leaves negative reviews or raises complaints, even when I receive poor service. However, I feel it is necessary to address this matter.

Yesterday, my debit order for my vehicle was processed a day earlier than my agreed debit order date. As a result, the full amount did not go through, and my account went into a negative balance.

I contacted MFC and was informed by a consultant that my debit order date is the 25th of every month and that he was unsure why the account was debited a day in advance. When I asked what could be done to rectify the situation — especially since Standard Bank deducted additional fees due to the account going into a negative balance — he consulted his line manager. The feedback provided was that banks make funds available for such circumstances and that MFC is allowed to deduct a day in advance.

Concerned about this explanation, I contacted Standard Bank directly and was informed that this is not correct. The bank confirmed that MFC was at fault for processing the debit order before the agreed date, which caused the negative balance and subsequent charges.

What is most concerning is the lack of accountability and absence of any apology. I should not be expected to carry additional costs for an error that occurred on MFC’s side.