SEPA direct debit: Has anything changed?

In the past, if an unexpected direct debit had brought my account into the red (no overdraft), I could simply quickly transfer money to the account. As long as money was received on time, the direct debit would normally still be carried out. Now it has happened to me for the second time that the direct debit is rejected at the exact moment my transfer arrives in the account. Instead of carrying out the direct debit, I get a chargeback and another p