Ridiculous Penalty Fees

When this contract was finalised I was not completely aware that a pro rata amount has to be debited from my account for R175 & R108, within 48 hours, which in fact never happened in that time frame, the debit order went off on 8th May 2020, causing the debit order to return unpaid ! I disputed this and the penalty fee, and after explanation the penalty fee was credited to my account. On the 30th May 2020 an amount of R 605 was debited unsuccessfully whereas I had closed my bank account due to some ********** activities that were happening in my account. I had to call the customer care for alternative payment methods whereas I had to hold for hours for my call to be ended several times. The return debit order with the penalty fee of R 175.00 & R108, I was NOT aware that your system accepted an arrangement to debit my account on the 9th of May for R 175 & R108 which I would not have arranged such an awkward date to debit, I was in fact trying to arrange to pay the R605 + the R175 on the next debit date which was to be the 1st July as far as I was concerned. NOW AGAIN MY ACCOUNT SHOWS I AM OWING R 1205.87 for a return debit order that went off on the 8th of May, for a PENALTY FEE, because the debit order came back unpaid !! Please assist me in this regard as I am NOT willing to pay this! I do not accept this and I cannot be held responsible to pay Penalty fees on return debit orders. HOW IS IT THAT PENALTY FEES EQUAL TO THE ACTUAL OWED AMOUNT FOR ONLY ONE MONTH??!!!. IT DOES NOT ADD UP!!. As you keep going into the bank account to debit whereas you did not find any money the 1st time, yet you still continued to debit knowing very well that there is no money into my account as that would give you more reason to add all the penalty fees into the owing balance.