NOT A HAPPY CLIENT RIGHT NOW

I have been a client of Standard Bank since 2014. I have several accounts with your organization, including short-term loan, a credit card, car finance as well as my cheque and RCP account.

I have been requesting assistance with consolidation for the past year now and I keep getting told that it's declined due to affordability. If that is the case, then how am I currently paying all my credit with you every month yet I cannot afford a consolidation loan which should actually be a lot lower than the current installments I am paying on these smaller loans. Why is it so hard for my own bank to assist me yet Nedbank is willing to assist me with consolidation.

My total installment amounts to over 15k yet Standard Bank says I cannot afford a consolidation which should be alot lower than what I'm currently paying on everything. Please help me understand why my own bank is not willing to assist me. Things would be alot easier if everything were consolidated into one account where I pay one installment.

Please help Standard Bank