Are Lloyds allowed to take money if DD been stopped??

pumpkinpatch

I wonder if anyone can help me on this.
To cut a long story short - I hit finincial meltdown and was unable to pay all my debts each month. Went to finaince agency who tryed to set up a min payment scheme with my creditors. One of them being my bank lloyds, for a bank loan. Lloyds refused the min payment and still keep charging me overdraft fees and taking the full money for there loan each month. Finaince company advised me to stop the direct debt payment for my lloyds loan which i did in June 2008, I stopped all money going in and out of this account, but my working tax credit got paid into the lloyds account by mistake last month who took the whole lot for there loan payment and OD fees, are they allowed to do this if i had stopped the Direct debit?????
Phoned bank to check that DD was stopped and they confirmed that it was stopped in June so no mistake on lloyds part!!

Please help, Do i have a case for a complaint.