Bad service,and I am suffering finacial because of

I have two loan with old mutual.Our agreement was to deduct money on my account on the 15th of every month.But instead they have a tracking sytem that tracks my account as back as on the 12 or 14th every month.On such dates I don't have money on my account.This will appear on my bank statement as a returned debit order. For over a year my bank statement reflect a bad report,worse part this is resulting on accrued bank charges of the amount of 290 bringing it to the total of R800. I have been pleading with old mutual for months,but they have not done anything to assist. The some of call centre agents in cape town are rude and very impatient.Some of my emails are left nor responded.I can not use my bank statement because it seems as if I am a bada payer.But old mutual is happy they are receiving their money every.Leaving me in finacial constraints and emotionally not ok.