I am not disputing or questioning that it was my responsibility to cancel DD but I would have thought that once the card is cancelled, I am no longer a customer of MBNA and in that case when Vhi tried to charge the card, they would get an error message and contact me informing me on the same.
I have no doubt that in tiny print in the T&C there is something on them been entitled to do what they did but II also find it difficult to digest that a exemplary customer (albeit former customer) of theirs would be treated that way. Chatting to people at work about my experience with the CC company and they all agreed that was not a way to treat a customer.