Bad NETFLIX experience

I did subscribe to NETFLIX in September for R229. Now on today 26 October NETFLIX just try to deduct R229 for subscription. There are NO AVAILABLE FUNDS in my account. There are now bank charges involve due to the fact that NETFLIX try to deduct the sunscription from my account. I never agreed to debit order or confirmed the date. When i called them, they say its subscription fee. I know that but I never agree for them to deduct on any date. SO WHO IS NOW RESPONSIBLE FOR MY BANK CHARGES ON THE DECLINED FEE. NETFLIX just there to make money and dont care. My salary do not come in to mt account the same date so thats why I know I did not agree to a deduction on spesific date