ALWAYS DEBIT MY BANK ACCOUNT ON A WRONG DATE

I TOOK TWO INVESTMENT POLICIES, CAR INSURANCE AND LOAN WITH OLD Mutual AND TOLD THEM TO DEBIT MY BANK ACCOUNT ON THE FIRST DAY OF EVERY MONTH, BUT THIS PEOPLE THEY ARE HITTING MY ACCOUNT ON WRONG DATES ALWAYS (THEY ARE DEBITING MY ACCOUNT FOR THE INVESTMENT POLICIES ON THE 20TH OF EVERY MONTH AND THE CAR INSURANCE AND THE LOAN BEFORE THE END OF THE MONTH) AND THIS MORNING I GOT AN SMS SAYING \ YOUR LOAD DEBIT ORDER WAS NOT SUCCESSFUL"- THIS MEAN THAT I MUST PAY UNNECESSARY BANK CHARGES FOR UNSUCCESSFUL DEBIT ORDER FOR THE FIRST TIME IN MY LIFE"""