I kept a record of what I went through to get to this point between July and now.
I called Qantas a total of 7 times, each call would have been at least 30 mins going through various call centres.
I called ANZ a total of 5 times, each call was about 45 mins.
I have logged 5 separate online support requests with Qantas.
I received 3 separate letters in the mail from ANZ.
Within 3 hours of logging a complaint with Airline Customer Advocate I was contacted by Qantas to offer me the full refund and confirm new bank account details.