Contact the finance ombudsman with your email correspondence you had with the bank manager.
www dot creditombudsman dot com dot au
I think there is a freecall number from o/s
Get them to do the legwork for you.
You will find the ombudsman wont take too long to give you advice on the situation and they should be able to present your case in light of the corresponence you had with the lender/bank previously.
