Manual payment date

I changed my banking details on the 09/10/2025. I went to Telkom Zevenwacht mall for them to update my banking details and was told that they will only be updated after 6 months of being active. A lady logged in to my account and gave me a ref number to use when to make a manual payment. My debit date is the 31st or 1st. I ahve been making manual payments using my bank app around 25/26 of each month since 25 October 2025. I receievd an invoce with a penalty fee or R199 and was told at the shop that my payment reflected late so I should log a dispute, which I did and a call centre agent called me for details and I assumned that my disput was approved. I received another invoce with the same penalty and I went back to log another dispute and that is when I was told I was suppose to make payments 10 days before my debit order date. I am disputing this because for the 3 months I have been making the payments, no one told me that I was suppose to pay 10 days before, even the lady that assisted me mid Jan when I I went to log a dispute