Desperate

I'm a loyal client of standard bank for more than 30 years but when it comes to desperate times this institution is not helpful at all..I applies for debt consolidation but was declined due having not enough products (personal loans or a credit card) with them. How can they use this criteria as a measure not to assist me.. My salary goes every month into my standard bank account. I wanted to switch to another bank that are more helpful but it is too much hazzle with all my debit orders.. Please assist me standard bank