RETURNED DEBIT ORDER

I HAVE A SMS NOTIFICATION ON MY ACCOUNT IN THE EVENT OF INSUFFICIENT FUNDS TO ALLOW ME TO DEPOSIT BEFOR ALLOWING THE DEBIT ORDER TO RETURN UNPAID. ON THE 02/03 MY DSTV BT ORDER WENT OFF, ON THE 03/03 I RECEIVED THE SMS TO DEPOSIT FUNDS, AT LUNCH TIME THAT DAY I WENT IN TO THE BANK AND ASKED WHAT IS DUE AND WAS ADVISED OF THE OUTSTANDING AMOUNT, I THEN PAID A ROUND FIGURE LITTLE MORE THAN WAS DUE. TODAY NOW 2 DAYS LATER I GET AN SMS ADVISING ME DSTV DEBIT ORDER WAS RETURNED, PHONED THE BANK AND THEY ADVISED THAT THIS WAS DUE TO ME NOT ALLOWING THE R6 & R17 DEPOSIT CHARGES, SO MY ACCOUNT WAS R15 OVERDRAWN AND THE DEBIT ORDER WAS REVERSED, SERIOUSLY I NOW AM SITTING WITH A DT ORDER RETURNED, A COST OF R125 FOR THE RETURNED DT ORDER AND ALL BECAUSE THEY DID NOT ADVISE ME TO PAY IN AN ADDITIONAL R30, I AM NOW OUT OF POCKET FOR ALL THESE COSTS AND RETURNED DT ORDER. IF MY CR CARD IS OVER THE LIMIT I RECEIVE A SMS SAYING I NEED TO DEPOST, I DO SO, AND THIS COULD NOT HAVE BEEN DONE FOR A MEASLY R23, NO YOU WOULD RATHER TAKE THE R1400 DEPOSIT RETURN THE DT ORDER OF R1402.75 AND CHARGE ME R125 ON TOP OF IT. I DID AS I WAS TOLD VIA SMS AND BANK AND NOW BEING PENALISED. PLS CORRECT!!