>
>
> FWIW, I think that most banks deal with such cancellations in a really
> irritating shoddy way. The minimum should be a cancellation confirmation
> in
> writing, together with a statement that shows that the account had a 0
> balance. With such a confirmation in hands, it should be easy to prove
> that
> any charges to that account are not your business anymore.


Given that the card was cancelled, I think it's the bank that's on the hook
here.
They allowed an improper transaction.

Back in the 70s, I had an account that was closed without me knowing about
it (missed the notice when we moved). The bank took a deposit to the account
though, and then bounced all the checks I wrote.
In the end, the bank manager wrote letters to each place I had written a
check, explaining that it was their fault, and they paid all charges.
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