Debited Earlier than contractual agreement and I must make payment arrangement or risk losing my investment policy benefits!!!

Old Mutual went and debited my account on 25 January 2022 (which was unsuccessful) but the debit order is supposed to go off on the 27th of the month. I then incurred a charge from my bank account as there were no funds for the debit 2 whole days before my pay day.

Now its as if this is all my fault but its a fault on their side. I have been trying to call the call centre but no one answers. The first time i got through to their call center i was passed around and then was on hold the rest of the call without assistance.

This morning I get an sms that I must make arrangement to pay the unpaid debit order or I am at risk of losing my investment policy benefits. I find this awfully disgusting that a company would do this and not call you to apologize, explain themselves and offer to assist you to make payment arrangement. I will never ever take another product with Old Mutual or any other business related to this company. I mean I don't even receive any statement on this policy, nothing at all. I get statements on all my transactions with anything FSP I deal with.