In a nutshell, my local council paid £850 housing benefit into my bank account which was £800 overdrawn through a few Direct Debits. RBS used the payment to clear the unauthorised overdraft, then closed the account advised me to seek alternative banking. The closing of the account isn't the issue here, I could have ran it far better than I did so cannot really complain. Problem is, I'm now £750 in debt to my landlord after withdrawing the remaining £50 for him.
Prior to this, I was receiving housing benefit payments by cheque because of the overdrawn account (I requested