DEBT CONSOLIDATION

Dear African Bank<br> <br> Please advise if you would be willing to assist: I am looking for an offer to consolidate my debt. I am currently permanently employed for more than 3 years in the same company, I earn a steady monthly income, and my salary is deposited into the same account monthly.<br> All of my account payments are met monthly, I haven't defaulted on any account payments, however recently I returned from Maternity Leave, and during the maternity period I did not earn a full income, hence placing me in a bit of a difficult situation, and forcing me to incur more debt. I have been contacted by African Bank previously to assist me in consolidating my debt into one payment, however upon assessment the app keeps declining due to affordability. <br> I have advised the consultants that one of the debts is registered as a joint bond, however I do not pay for this bond at all, my husband pays for it monthly (I am even able to provide his bank statements confirming this), however they are still unable to assist. Please advise if there is anyway that we can settle my existing loan of R61 000.00 and use the balance to settle some other debt?