Nedbank unable to understand clients always a runaround

I contacted Nedbank yesterday to apply to consolidate a personal loan and credit card into my HomeLoan. I put R200000 dep on my home loan when it was done by Nedbank. These loans add up to R7000 a month which is crazy. so the most logical solution is to ask for an consolidation some how into my home-loan as this loan has a large deposit sitting there. after months of calling Nedbank to try and make them understand what I want to do. After the application this morning I get feedback I have a personal loan and credit card so the application is declined. What the hell. What was the point on the exercise as clearly stated on the application its to consolidate debt which Nedbank is welcome to do with the payout. To get Nedbank to understand clients needs is very difficult as they don't understand what the clients needs are. I have everything at Nedbank all my cards car house exc. So Im being proactive and asking that they settle the debt with the monies in my bond as a very large dep was put on the house.