If you have tried to negotiate with your credit provider and you think they are being unfair, you can contact a free external dispute resolution scheme. (moneysmart.gov.au)
Some providers do not belong to an approved external dispute resolution scheme, so if something goes wrong you may not be able to have your complaint heard by an independent party. (moneysmart.gov.au)
If this does not fix the problem, you should make a complaint to the relevant external dispute resolution scheme. (moneysmart.gov.au)