Bank refuses to assist with a consolidation loan

My name is Monique Gray

I am a client of Capitec Bank, residing in Roodepoort, Johannesburg.

I have a very big concern with my bank and need to speak to someone that will be able to listen and answer as well as try and resolve.

My questions is, "Is it not where you bank is where you have trust in the bank to provide and assist you as a consumer?"

And then "how will a person trying to restore their credit profile/score get assistance if their own bank where their salaries are being paid in every month does not even want to assist help?".

How will people ever get out of debt? when there's no bank that offers help...on all the websites of all banks there is options available like consolidation loans and so forth.

But when you as a consumer with a low credit score try to apply - what happens? decline decline decline...which even lowers the score even more. Doesn't matter if the affordability is fine.

Yes we as the consumer cannot blame the banks for our situations but if there was an opportunity created by our trusted banks for people to get assistance (after valuating the individuals situation thoroughly) to get a consolidation loan/ account settling loan to get rid of all the debt that there is instead of people going to find other financial services companies that offers payday loans, and short term loans with high interest rates and then end up with even more debt that what was started with?

My concern with Capitec at this current moment is that this is my bank that i have been using for years, which i cannot even run to for help when i have cleared half my debt and need financial assistance to complete my goal by clearing my name because of my low score count. and because of the declines, i have tried with numerous other companies and banks, which i didn't even know was harming my profile even more, because the results remain the same.