Auto Renewal trying to take money from Cancelled card

Since they have attempted to charge you, you now have accrued a balance you have to pay off before you can continue using gold on that account. You cannot add a prepaid card until that balance is paid off. You can see the balance you owe at
http://commerce.microsoft.com You would need to contact support directly to speak to billing so they can help you sort out the balance. 1-800-4my-xbox if you're in the US/Canada or
support.xbox.com/contact-us

It is up to you to turn off auto-renewal. Having an expired or cancelled card on file will not turn it off.

I accidentally renewed my account using a debit card, not realising my account was on auto renew, then added a few months worth of prepaid cards. I wanted then to cancel this auto renew setting, went through all the menus - subscriptions/billing info etc.
and there is no link letting me cancel auto renew. whenever I try and just remove the debit card to prevent future transactions taking place, it says I must cancel auto renew, but I can't?

Does anyone have a solution to this?

If you did not cancel auto-renewal, then they would be trying to take money from the card. If that is the case, then you would now have accrued a balance you have to pay. If they are unable to get the money, the account will be suspended from Live until
that balance is paid. You can try checking the account at
https://billing.microsoft.com If you need help turning off auto-renewal or cancelling the subscription, you'll need to call support and talk to billing. 1-800-4my-xbox if you're in the US/Canada or
support.xbox.com/contact-us

if there taking money off your credit card without your permission (unless you didnt cancel auto renewal) contact your credit card company so you don't have to pay the bill

As long as the system accepts her card that would work. You would want to cancel auto-renewal after subscribing to keep it from auto-renewing at the end of the subscription.