Unauthorised payment dates with Sanlam !!!!

My account has been debited by Sanlam on unauthorized payment dates for four funeral plans I have with them! My pay is due on the 25th; if it occurs on a Saturday, the funds will be transferred to my account at that time. However, Sanlam debits my account on the 24th, which is against my authorization. Every time a debit order bounces, my bank charges me R150. Because of Sanlam's unauthorised bounced debit orders, I also incurred additional bank charges of R600! The same thing occurred this month; I was paid early but transferred the funds to a different account in order to avoid being de*****ed of my card. Sanlam proceeded as usual. I will not rest until I’m paid back my R1200