Declined for consolation loan because my accounts is in arrears

What is the point of having a consolidation loan if clients cant qualify because I would like the that purpose of it would be to help clients that is in arrears and client would benefit from having 1 installment instead of 5 or 6 installments and to pay all accounts/loans that appear as in arrears. I wish that banks can change this in order to benefits clients and help people out. I got declined because my accounts are in arrears yet the reason I am applying for a consolidation loan is because my accounts are in arrears and seeking to only have 1 installment every month instead of having 5 installments every month. Ya neh Well come to south Africa where banks only help the people with credit scores above 700 and forget about the poor or average people actually so sad. Declined for consolation loan because my accounts is in arrears yet I would have thought based on what I read that it can be approved to help pay all accounts that are in arrears and close everything so that I could have only 1 installment every month Email address: ***