debit collection went wrong on their side but i get to pay for that.

been having good years this company , now I want to know why I am being debited almost twice the monthly premium , and your punishing me for your "system glitches" 1. my bank account had money from 14th of Dec 2023 2. my bank charges me a fee of any debit that 'bounce' nothing like this (nr2) happened but you get to make me pay for a'reversal' that you cant explain how it happened when I had thousands of rands in my account. That time you didn't even communicate that you will debit earlier than the usual date??