Urgent Consolidation of Debt

I laid a complaint with FNB that I needed to consolidate my debt (this is urgent). I recently took out a loan, with FNB, on 10/11 because I was in dire need of finance. <br> <br> I have been forced to take multiple small loans and temporary loans to keep up with payments. <br> <br> I cannot afford to do this anymore, and it is making my credit record bad. <br> <br> All I asked FNB was for an amount to consolidate all my FNB loans into one, so that I only make one monthly payment. This would make things easier for me. <br> <br> However, they do not want to make any effort to help me, and give me reasons stating that I have to wait 30 days until I can reapply. <br> This puts me in a situation where I will probably have to take more short term loans.<br> <br> This actually is making me want to try and contact other lenders to try and consolidate my loans, which I do not want to do as I prefer going through my own bank.<br> <br> Why can't they try and help me out???<br> Very disappointed... And hurt.