Wrong debit order date resulting in bank charges

I took a Netstar Road Guard cover where I told them to debit my account on the 27th of every month and they decided to debit my account on the 26th whilst my account had no money so the bank had to charge me R95 honouring fee just because Netstar decided t debit me on the date that we did not agree on. I want to be compensated for the charges I incurred or I want this contract cancelled.