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I had recently tried to apply for a consolidation to help make my debt more manageable but was declined due affordability even though essentially I'm not asking for more debt but simple want to make managing my debt easier without throwing myself under the bus and applying for debt review but I was declined nevertheless even though I'm a fnb client that has never defaulted on a single payment on my life. Then you guys have the audacity to call me to offer me more debt without blinking. Your greed is disgusting and you should be taking to task for this type of actions.