Yes.... it does cost the banks everytime the ombudsman is involved.
I had a thought Nickyjames.
if the $5k is an issues for you cashflow wise.
Perhaps ask if you can top up your loan by $5k.
Reasons...
Dont have to come up with $5k yourself now Can pay it off over 20yrs if u wish Could make extra repayments anyway at the lower rate when u can.
$5k adds about $7 week to your repayment.
You would make this back perhaps when and if you sell anyway.
Just a thought.
but try the ombbudsman first...... if that doesnt work, give me your email add and i will put u in touch with a guy at the CBA....he may sort it out for you.