account deliberately put into a negative by Standard Bank

I have been trying to get my dispute sorted out with this bank with no success. The bank processed an early debit order which was suppose to track my account until I had sufficient funds in my account as it is December and salary days tend to range.

Did this bank not take this as an opportunity to put my account into a negative without my permission knowing very well that I would be liable to pay honor fees as per their fees structure. Under normal circumstances, that debit order would've tracked until there is funds in the account to activate it. Is this a new way that the bank offsets losses from bad debts and recoups them through erroneous charges to your clients?

This is unacceptable banking practices and I feel sorry for us ordinary citizens who are typically helpless to these vultures because of limited means.