Loyal Customers get BAD service and no assistance

I have been a client of FNB for many years and all my accounts are with them - Home Loan - Wesbank Car Finance - Cheque Account - Credit Card - Personal loan for the transfer fees on my property bond etc

I have recently received a message that I am pre-approved for a loan amount or R*** ***.XX of which I thought would be useful for debt consolidation and then I only require to pay 1 amount instead of 4 different loans to FNB every month. I thus app**** with my private banker who just advised that I am NOT approved due to affordability. Would consolidation NOT MEAN to lessen the monthly payment with less interest to pay. I rep**** to my private banker with the same and until today I have had no response.

I AM EXTREMELY DISAPPOINTED as a loyal customer = FNB is very quick to take the monthly account fees, interest on all the loans, vehicle finance, revolving loans etc but when their customers are honest and want to ensure they do keep up with payment and actually do ask for assistance they just turn their backs and say NO!!!

What type of service is this??