irate: Vodacom doesn't debit on the correct dates

Recently i have taken out a Vodacom Contract in February 2021 i did have insurance however i have got ****** in which i notified Vodacom unfortunately the insurance doesn't cover for the first 6 months as stated by a Vodacom agent, i am paying for a phone that i don't have , the first 3 months Vodacom debited my account on a wrong date then stating that i have insufficient funds 3 debits with 3 reverse debit penalties which i had to make a cash payment, thereafter 3 months again i had endured the same problem i had to pay 3 instalments with 3 reverse debit penalties ( why should i pay the penalties if you don't debit on the correct date) , i called numerous occasions to change the debit order date unfortunately the issue still persist. i had to make a manual eft payment also i had to keep the agent on the line until the payment reflected on their side. this was NOT my fault why is it that i need to pay extra penalties and further more which i am irate about this is the only account that is affecting my credit score negatively , i tried to upgrade the contract seen that i don't have a phone unfortunately i don't qualify because Vodacom hasn't taken out there money on the initial contract date i feel as this is a breech in contract from Vodacom side, i am highly upset as this has caused my credit score in a negative impact.

i will be taking this matter further to the ombudsman