Bad Customwr Service, rather go to MTN

I am truly dissapointed. On Sunday the 11th of October I went to the Vodacom shop in Key West to get a phone on contract. Very friendly service BUT the consultant assisting me did not inform me of any "extra" payments.. I paid for the sim card that Sunday which was R105 and the consultant asked me when I would like my debit order and I asked him for the 1st of the month.. Everything was good, I received the phone (no copy of the contract) and on the 13th of October Vodacon treid to deduct R 226 from me, my bank reversed it as I had no funds left.. NOT ONCE DID THE CONSULTANT TELL ME ABOUT ANY EXTRA COSTS WHATSOEVER. In my mind I am supposed to pay on the 1st, which I am happy to do, but now my bank balance is in Negative, which means I will have a bad record on my name AND ABSA will charge me a R100 extra on bank charges... If I was informed about this payment I WOULD HAVE KEPT MONEY IN MY BANK TO PAY THIS as I would never miss payments, but as I thought the debit order will only go off on the 1st , I was not aware of any other payments... I am highly dissapointed, I also received no email or SMS. Will this money ever be refunded??? Who is responsible for my bank being in the Negative now???