Even If you settled they bill!

We phoned Nedbank, asked for a settlement informing Nedbank we want to close this card , Got the settlement, paid it within minutes - emailed proof of payment - Only to find the account was never closed and they now expect us to pay those monthly fees - If you phone them they just say - well you had to inform us - so? When I ask for a settlement because I want to close this account - is that not informing them???<br> I would like to take this to the consumer protection, and the on-buds dept. <br>