Unreasonable restriction on payments

I'm having a issue with my account, no debit orders are done, therefore i visted a branch and they advised that they will sort it out. Shortly after I lost my job and also visted a branch again to advise that I am no longer able to pay and seeing that there's still no debit orders going through. I would like the policy to be cancelled. This is after I was told the issue with the debit order would be sorted out, which it wasn't.

So I was told by the lady helping me that the account couldn't be cancelled and no further actions were allowed on it, she couldn't explain anything further.

After calling in, I was advised that, only a 2 withdrawals are allowed on the account and I have utilised them. This was no explained to me when I took the account out.

However that doesn't really bother me, what does.. is that I cannot have the account opened with cash I invested, whereas I cannot use it, when I do need it.

Please assist and tell me what to do in order for the account to be cancelled.