We are going to treat you like a bad debtor

I Recently looked at consolidating my Dept , this is how I then got to Old Mutual finance , the process was very smooth , and I liked what I heard , as the final contract was send to me I noticed the date of the debit order as the 26 of every month ,Unfortunately I signed this -but I e mailed the person I was dealing with to please move this date to at least the 29the of every month -to ensure that there would always be educate funds in my account when the debit order go off , I then phoned Old Mutual ,was phoned back by a extremely rude person -who told me not to worry -if my salary is not in when the debit order go off , there system can track when it go in and send the debit order again , the fact that this can destroy my good name that I have worked for my whole life (as there is going to be a debit order on my name that is going back -and I have to pay the bank for this ) does not seem to register , I then e mailed the original consultant Mia Nobilah to please attend to this ,she just pushed me of to another call centre agent , who said the same thing , I honestly can't understand what the problem is , I pay my accounts , I am now been treated like some bad debtor