Unauthorised Debit Order tracking

I am going through the insurance policy documents which I have with you, and there is clause there on unsuccessful payments and it reads as follows "If there are insufficient funds in the account, we may track the accouny using the PASA approved system, and re-send the instruction for payment as soon as Sufficient funds are available in the account"

Now as per agreement DO was suppose to debit on the 31st it couldnt due to insufficient funds, according to the clause above, you may "track" until there are avail funds, but you saw as a bank that there were no funds but still went ahead to try to debit, which is in contradiction with my contract, now I have incurred fees for those unsuccessful debit order,please escalate this further, because I won't pay for those bank fees. Failure to resolve this , I am escallating it.