Advise Needed Please !!!!!

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hi just got letter for parents natwest account saying they were gonna refund some charges due to them taking charges from benifit money they refunded some but then took £1350 to pay towards the loan :eek: .....putting parents overdrawn by £1350 + and incuring more charges !!!! parent have loan protection cover that pays the loan as they are currently not working but as they kept getting charges the £300 that was paid in for the loan has been eaten up by charges and so they missed a few payments....so i told them to call DSS and stop any money going into bank as it will just get eaten up by the O/D and told them to cancel all D/D AND S/O from that account and to basically not use it at all.....how do they cancel a D/D ? through the bank or through the company ? and was this advice correct....they will have to pay back the O/D but will have to offer something like £1 week or so untill they get all the charges back....
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