If the Financial Ombudsman Service Australia finds in your favour the insurer is obligated to carry out the repairs; or, (insurancelaw.org.au)
If the Financial Ombudsman Service Australia finds in favour of the insurer you still have the option of taking the insurer to court — but remember ALWAYS GET LEGAL ADVICE BEFORE GOING TO COURT! (insurancelaw.org.au)
If you have a complaint about something a credit repair company has done from October 2008 onwards, you can ask the Financial Ombudsman Service for help. (nationaldebtline.org)