Reckless Debit Orders

I am really disappointed with the service I've received from Tracker Agility...when I took their product I mentioned I get paid on the 20th of each month and from July 2017 they've been debiting my account on the 22nd which was fine with me. This month they decided to *shock* me and the ran their debit order on the 18th, 2days before my salary date. Without notice or prior indication they just decided to do whatever they like. All other service providers usually provide prior notice they'll run debit before the usual date so that as a clent you can prepare.I had cleaned my cheque account obviously thinking they come get their money next Wednesday. This morning I received a return sms from my Bank, a return will cost me R150 or so, who is supposed to pay for that? It's not my negligence and I'll lose a few credit points on my profile for an error which was not caused by me. I've never missed their debit order and they've caused a bad stain on my profile which I am trying to build for a home loan. I would like to take full responsibility for the financial discomfort they've caused and pay my cheque account Costs caused by their error - even my policy schedule CLI ********** -392639 stipulates debut order must run on the 22