Early debit

I have a funeral policy with old mutual & my debit date is the 26 of every month. 23 July I received sms to make sure I have enough money as they're going to debit on that day. I never skipped a single premium since policy DOC , why would they put my account on naedo tracking. Yesterday they did the same thing & my credit record have been affected negatively. Called their contact centre & the agent did not have a valid reason. Now I have to get the bank statement for bank charges to be paid which is an inconvenience for me. Their service is poor & they will lose many clients if they keep on doing this. Probably that's what they want as they would have gained on premiums received & no need for claims pay out.