At the start of last November I received the reminder about road tax, yes I know it's called something else but I'm old, went on line and paid it. Mid December I got another letter, lots of red writing. it was my last chance to tax my car! When I checked the bank it hadn't gone through but I definitely didn't see anything about card being invalid, should have checked for the email I know.
We had a problem paying the balance on a holiday, the company were saying that the card wasn't valid, the bank was asking us to ring fraud. Apparently they had clocked it as a suspicious transaction, we don't use the credit cards much.