How can we help you "NOT"

"How can we help you?" That is the question FNB asks in every advert. When you drop your pride and go into the bank and ask them for their help, I have been a client for 10yrs, I don't have much complaints about them, because I really have not needed my bank like I do now. A consolidation loan would make my monthly repayments much less and they would still get their money with interest as I have been a very good payer up until today. I have made more debt than I can handle as my situation has changed, but FNB my bank, or any other bank, will not even consider this. I do not understand this process at all. Now I will have to go under debt review and they will loose so much interest if you think about it. Because the debt will take that much longer before it is finished. So sad, but so true.