Proccess for cancelling Creative Adobe plans

I received a courtesy email from Adobe that my payment method for my Photography Plan was expiring soon. ie. The day was the end of August.  On the 29th of August, I endeavored to cancel my plans.  The reason is I am in ill health. 

I was advised when endeavoring to cancel that I would be charged $57.00 for canceling early.  So I waited for the last day of August to be 31 - I canceled at 6 pm ( Australian Time).  I was advised that I would be charged $50.00 . I canceled despite this as I am not well at all and am very tired - The effort was too much as it was - As ADdobe is in America the time difference is not taken into account. I was not prepared to get up in the early hours to hopefully reach the time allowed.  - What are people's thoughts on this?

I also want to cancel my direct debit which is from my Paypal account. This is a monthly direct debit.

How do I undertake this without having to pay the next installment? I notice the direct debit for August has already been debited on the 30th August.

Looking for advice thank you fr your time

Sue