Inconsistent and ******* system

I pay my account via eft by the 20th of every month however they charge a failed debit fee of R200 I was in the store numerous times to tell them the account they trying to debit is a closed account was then told payment must be made 10 days before the due date which obviously is because I get paid on the 20 th and normally makes payments on that day I have logged this with NCR because this is a ******* and your systems is inconsistent and telkom staff is *********** I want all the R200 reversed and can't wait for this contracts to end.