Capitec are not there to help their customers

I have 3 loans with capitec and 1 credit card. Went yesterday to try and make a big loan at them to consolidate all 4 loans. They say now i do not qualify. My question is. You allowed me to make these loans now i am complaining that i am stuggling a little bit with the repayplments now you cannot help me to make these loans into one with a smaller repayment. You are suppose to be my bank and are suppose to help me. What if i take my banking to another bank and decide not to pay you at all. Then i am the bad customer but in the first place you did not find ir fit to meet me half way