Consumer Protection Law
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If the loans are not due for collection yet, then they are in breach of contract for them collecting them and your grandmother being harassed and having money taken would have the right to sue them for breach of the contract. You do of course owe the payments when they are due, but if they are not due yet, the lender has no legal right to collect on them and doing so is a breach of contract and your grandmother can sue them for doing so and for all damages and costs she incurred from them doing this.
You have to pay them as the contract requires though, if you were 1 hour short and had to pay according to your contract, you had to pay. If they collected when they should not have, then they are in breach of contract as I ssaid.