Nedbank without warning and against contract debits 15 days early. Merry Christmas.

I have a personal loan with Nedbank. The agreement states that the debit order goes off on the 28th of each month. So for December they thought it would be fun to debit the on the 13th, a whole 15 days early. No warning, no agreement, just before Christmas they decide to shake up my cash flow. Years ago I had a installment on an appliance and African Bank had the good grace to give me a call to confirm if it is okay. You would think a more successful institution would be better with their clientele? I am not 100% but is this not a breach of Authenticated Early Debit Order system as set forth by the Reserve Bank in January 2019? Either way I launched two tickets through their app and their authenticated system only confirmed one and said something in the line that somebody will respond within a business day. Well it has been four and absolute silence. This is atrocious. I have been a loyal client with many products from them for almost 20 years now. Capitec looks tempting now.