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Can anyone tell me if my credit card company has acted illegally?

I canceled my) credit card UK (In March this year, after paying all balance. Then the sky a few weeks ago, I received a bill for £ 140 on the card canceled. This proved to be the payment of an insurance policy in a direct line that I had also canceled (two years ago!). Direct Line has admitted its mistake and I am waiting for a refund. Unfortunately, they can not repay the card because it is no longer "exist" since I cut. So I'm still waiting for a check. However, the question remains with the credit card. Do they have the right to make a payment a credit contract canceled, even if, initially, the premium was renewable every year? Surely if I have the card they canclled should refuse to pay creditors who come in for payment, and return them to the client? Did the law on credit card companies illegally? Can I refuse to pay?

the sentence you said, "Unfortunately, they can not repay the card because it is no longer" exist "since I cut. "makes no sense to me since the reason they can refund the card is an account still exists on the record. I do not think that the credit card company has acted illegally, he was simply a mistake that could be easily corrected if you present the documents as the letter you sent them the cancellation of the credit card. It is not necessary to "refuse to pay" because you do not owe to the company credit card. Once they see the dates of the cancellation and the date of the request for payment, they will correct your account write you and tell you it was corrected. Make sure you check your credit file to see its been ok. Otherwise, send Then a copy of the retraction by your credit card company.