Debits

So my mom is no longer working since April,she has a loan wih nedbank. She went to the bank to let them know she's not working anymore and that she understands that she still owes them. There was money deposited in her account last month,about 6000 and nedbank took 4200 of that money,they didnt even call her to ask if she can afford or send an sms to let her know of the credited money,the new law of the consumer protection act says the banks are no longer allowed to take so much money if a client owes them,because she might have other debts to pay or food to buy. Right now my mom is struggling and that money could have helped in buying food until she has money,atleast if they took 1400 not 4200,what about funeral society? She could have paid the outstanding amouts,she was sick and she wasn't even aware of the money credited. Is nedbank excluded from the consumer protection act.The bank is not helpful at all they treat her bad because she doesnt things and she's old,its really not fair. The money was meant tfor food and doctors but? My mom's name: Emily Nkambule id no.: ***