MFC incompetence

On numerous occasions I have requested that the debit order be changed to the LAST DAY OF THE MONTH. I have constantly stated that I get paid on THE LAST DAY OF THE MONTH. Yet, MFC, still tries to deduct on the 29th of every month. And then, you have the audacity to tell me that I need to contact you because my account is an arrears. It is not my job to remind you to do yours. Do not blame me because of your incompetence. I have requested this since last year. How difficult can it be?