Debit order went off too early.

My debit order went off on the 24th whereas the debit order date is set for the 28th. It bounced. So I phoned MFC to tell them and they said that they apologize the debit order will go off on the date set. I then got a call from someone stating that my car is in arrears and that they want to know when the debit order will go off. I explained the situation and they asked if they can set the debit order to go off tonight, this was Tuesday if I'm not mistaken. It did not go off. Wednesday morning I received a letter from MFC stating that I'm in arrears. The debit order went off Wednesday night. My issue is the money was in my account and this is the way I was handled. This is very unprofessional. My car has never been in arrears and I feel very disgusted with the situation. The bank costs for the bounce needs to be paid by MFC.