this has never happened to me, but it did happen to a coworker. if it's a direct debit, the company can take what they like. it's in the direct debit small print. but you can ring up Npower & your bank and have this changed.
however, what i think may be good for you is to set up a Standing Order with Npower. You have control over this. All you need to do is ring up Npower, ask them for their bank details (account number, sort code, name on account).... they you can go to your bank online or in person and set up a standing order, once a month, for whatever amount you desire (£36, etc). Npower can't increase this amount as it's an agreement between you and your bank. My coworker found her energy company (Powergen) hesitent to give her this info b/c they like to have control of the direct debit, but finally she got the details.