No, to debt consolidation loan

Due to FNB, with whom I have banked with for 12 yrs or so, making me wait a year before answering my loan applications in all forms, my credit is zero, I have lost my medical and other policies due to non payment, I approached my relationship manager last September, in between trying desperately to get a loan from elsewhere, last week they said NO, I am to high a risk!! Of course, I am, a year later and in over my head with debt. The credit laws in South Africa discriminate against the self-employed, loans are available only if you have a payslip and secure monthly income, I am a sole proprietor who does not really fall in the business banking category as my turnover is below R 500 000, per year. I am in between a rock and a hard place, can you help me ?