Account over debited

I have a life and retirement annuity with Sanlam for almost a year.<br> I have paid my premiums on time ever since I took out these via debit order.<br> <br> For the SECOND time this year my account was over debited, this time round was over R1,600.<br> <br> The reason I received was that my premiums was in arrears and this absolute nonsense as my account has been debited sine I took out the policies.<br> <br> I have a concern as to where is my money going?<br> <br> You call they tell me I have to wait 48hrs which is really inconsiderate on them as they took my money immediately and now I have to wait for my money, they are not thinking that we have other financial commitments outside of paying them.<br> <br> This is really frustrating!!!<br>