Unsatisfied customer

A debit was made on my account on the 21 May 2025, without any authorisation from me, due to the previous month's debit going unpaid. The issue on hand isn't the fact that they debited my account without a payment arrangement, although this should be the proper procedure, the issue is that they debited on a date when there was insufficient funds which has resulted in a R150.00 bank charge for that unpaid debit. When I called to query why no body contacted me to arrange a new debit date, the lady says to me that they sent an sms and that they don't phone the customers for a payment arrangement. I advised her that I did not receive the sms so how can they just proceed without my consent and who is going to compensate me for the bank charges incurred due to their incompetence. She kept repeating herself about the sms, which also doesn't confirm a debit date according to her it just states that the debit was unsuccessful and payment needs to be made. I have accepted and paid the R60.00 for the invoice sent from tracker for the last unpaid debit so who is going to take responsibility for this and reimburse me for the bank charges that I have now incurred.