Hi ,
I posted this on here before but am doing so again for your benefit should you feel inclined to send off a letter of concern, or make a phone call.

"Ongoing trends and complaints to these departments are of particular interest and cause action, so I'll say this first should others feel inclined to act.

NSW Fair Trading welcomed lodgement of formal complaint and sighted that the fact that eBay imposed restrictions on members should they not sign up for eBay managed payments was of concern and should also be discussed with ACCC in specification relation to Restriction of Trade laws.

ACCC have noted complaint and conveyed the importance of how the trends of such complaints bring about intervention.

ASIC, upon detailed description of situation , advised formal complaint to be forwarded.

Reserve Bank of Australia are of particular interest as they control the standards by which fees such as this are structured. They will be sending written reply once detailed advice is reviewed. "

What I deduced as my best course of action was to email RBA. I did this after lengthy phone conversation with them. They have an email address for sending concerns  and I was given a direct staff member contact to send email to during phone convo.
ACCC being the department that acts on what they hear from RBA.
ACCC also consider action according to the trends of concerns they hear via phone contact, so i spoke with them also.
Fair Trading advice was conflicting over two phone calls, and it seemed they were leaning toward the "you need to speak to some other dept" approach. So I will probably file complaint with them online just to see what the next person says.