Unhappy about Nedbank

I have been with Nedbank all my life. Though my experience has not always been the best. I am with them due to fami****ity.I paid my homeloan 4 days prior to the debit order date. When I call the contact center to inform them of this and request for the debit order not to go through. I am told there is nothing they can do. The debit order will go through. Even after indicating that there won't be enough funds; I was told I need to call back and follow up. So what about my credit record? Am I now being punished for paying prior the expected time? The second issue I have is that I am platinum card holder.I pay R220 per month but I get charged for paying electricity, buying data and airtime. I get charged MSD charges. I am really not happy with this bank.I am gatvol!