home loan

My home loan is up to date and might I add I have been conducting my Home Loan quite well including my existing Absa Credit Products until recently when I landed in a bit of trouble and need their help No doubt there is more than enough equity in my home loan to extend credit.What is even more alarming is that Sbsa representatives don't provide options they want you to be out on the street I guess now we know why so many people loose their homes and some land on the street .i would understand if I simply had no Bond to use as security.of course there will be no affordability as I want to consolidate to open cash flow how can they not see that .My wife even pay back R3000 promptly every month for the car .