How can we NOT help you?

I have been struggling ad a small business owner and have gotten into debt trying to survive and pay my debit orders. I asked FNB to consolidate my accounts so that I would only be paying off one debt and therefore one interest rate. I have app**** several times, only to be told that I don't qualify or my payments have been late. DUH! That's why I'm asking for help. Tell me FNB, if I'm struggling to pay, don't you think it would make sense to consolidate my accounts so that I can pay less interest and so that you don't have to get your call centre agents to phone and bug me for money TWICE every single day? I would call that harassment, wouldn't you? And according to the credit act, you are not allowed to harass clients. So are you really trying to help people as your payoff line says, or are you just trying to make more money out of people who are already struggling? I recommended FNB to friends and family before, but I will never do it again!!!!! Thanks for NOT helping me when I needed you the most.