[Resolved]  HSBC - Credit Card — Credit Card Cancellation & Refund

My Credit card A/c has been closed to which i received the letter from the Bank to withdraw my outstanding on my a/c. When check with customer service i was assured to get the payment in a weeks time, however since i din't received the payment i tried to reach the bank again i was surprised to know that there was no outstanding on my a/c. Iwas told the bank has transfered the funds as these were miscellaneous. I don't understand how can the bank debit customer's a/c without the customer's instruction or permission.