We cancelled our BNZ credit several months ago. I foolishly thought that would stop all charges, including anything that was set up automatically. I was surprised to find that in case of a Direct Debit......specifically a BNZ Life Insurance, then they can force a charge against a cancelled Credit Card. 

My intention was to update all those services that I wished to continue with a new credit card, and those that I didn't would duly contact me or I would proactively contact them to advise that I was cancelling that service.

We had tried to cancel the BNZ life insurance in store, thought it was done and assumed to pay the last premium on the final account. We have been charged since and we have been battling this for the last few months and their advice was to "Go to the bank and see if you can find the person that was supposed to cancel it" 

I spoke to them today and they said it was their policy to continue a direct debit against a payment method but I have tried to read the Terms and Conditions and I can't find (or maybe misunderstand) anything that states this is allowed.

Does anyone here work in the banking industry that can clarify their position?