at least you had the funds in your credit union to cover the fees, but I have a feeling you're gonna have a battle with this one. You said nothing for almost a year and you had previously given them access to that account. You inadvertantly gave them your blessing to keep doing it by not noticing.

Gold's won't likely lift a finger to help you. As far as they are concerned, it's your fault and your problem (as slimey a practice as that is). The best you can do is to try and take it up with your credit union and see if they can/will intercede on your behalf to make them return the money. You should take all of your cancellation and contract paperwork in with you as you will need to prove that you stopped your membership and that they were supposed to cease the automatic payments.

You might even need to look into legal action, but again, the cost to do so may be prohibitive and it will hinge on whether you kept all that cancellation paperwork to prove your case.