[MovedGoalPosts]

I can't recall when the use of email to VM was dropped as a formal method of serving notice. Assuming email was a valid notice format back then, it would come down to the wording of it as to whether your intent to close the account was valid, and whether you had authority to close the account, if you were not the account holder. If the email wasn't clear, and / or you had no authority, then the debt would be payable.