By Barry Shatzman Something wasn't right. The woman filled out the forms to start receiving Social Security benefits, and the money began to flow into her bank account. Yet she still was borrowing from friends for her day-to-day expenses.     Not understanding English well, she didn't realize that she could withdraw the money.   By the time Pragna Dadbhawala, a member of the city's Community Ambassador Program for Seniors (CAPS), stepped in to help, things had gotten even worse for the woman. The Social Security Administration noticed she wasn't using the money, so they cut off her payments altogether.     "She was depressed. A volunteer had helped her fill out form to get the Social Security, and then this happened. I helped her with her appeal. I spoke in her native language," Dadbhawala said.