Personal Loan - Incorrect debit order dates

I have a personal loan with Nedbank. I signed the contract and accepted the DebiCheck Mandate for the last day of the month. This is a breach of contract. So why even make me sign a contract and accept a mandate then?

They have been debiting me incorrectly on the 25th of the Month since November 2022. This was fine as my salary gets paid on the 25th.

In February 2023, they debited my account on the 24th, before my salary is in my account, I raised this with their internal departments. They have reversed the debit order that they had incorrectly done. They are now playing games and giving excuses on refunding me for my bank charges that I incurred due to their incompetence.

I have asked this to be raised with higher management, it seems like they just do not care. We are looking at almost a month now without any proper feedback. The same thing is going to happen in a couple of days time.

My child will be eating dry bread tonight due to their incompetence and unwillingness to assist me. But if people do not make their payments, then they are quick to send letters and blacklist people.