As long as you really have already attempted to cancel in good faith, you should be fine on all counts. The problem is a lot of people will cancel a Direct Debi

As long as you really have already attempted to cancel in good faith, you should be fine on all counts. The problem is a lot of people will cancel a Direct Debit or use one of these disposable card services and cancel that, and not understand that just revoking payment authority doesn't necessarily end any legal agreement they have. They will still owe the money (and potentially penalties associated with collecting it) if they don't then make some other arrangement to pay rather than terminating the legal contract properly.