Disappointing clauses

Very disappointing in my bsnk that i have banked with for years. Myself and husband app**** for debt consolidation few months ago. We were approved with 2 conditions - 1 not to apply for debt again while on debt consolidation (which we didn't have a problem with) 2. Take the little surplus that was available, after the debt is settled, we had to put it into a savings account for 2yrs ( which we had a big problem with). How can we come for help in order to have surplus available for emergency cases like example our kids needing school clothes etc. But then we are unable to provide this because of the clause to put the available surplus into a savings account and not touch it...what is the point? Thereafter we tried to increase our bond term to pay less on our bond. Due to the constant interest increase, we are just looking for a bit of relief but the installment was only approved by R600 less and bond term increase...then again what is the point?