ooh, that's dodgy changing banks if you have direct debits likely to come out - companies' records take a while to catch up, always worth leaving a bit of money in the old bank just in case something like this happens. However - I don't think they would just cancel, they would write to you or even email you to say that you were defaulting, they wouldn't just rip it up without telling you. How long ago did you change banks, it sounds as if you haven't paid for more than one month?