standard bank bullying tactics

I have been their client for ages. Whn I lost my job my credit card and overdraft obviously I could no longer pay. I made arrangements for payment which iI paid without fail. When i went to try pay the overdraft for June the teller refused to take the money saying the account is closed.<br> To my surprise they took R12000 from my account without even informing me. I am a mother of 3 children, my husband is also unemployed. I had a contract job which is ending this month. How am I supposed to pay the rent, school fees etc.when they take my full salary?<br> I am desperate. Please can.standard bank understand? My record with them before i lost my job should say something.