Legal question regarding Credit Card and Personal Loan – refused consolidation loan.?

I today hit a debt of most £15,000 total. This is separate with £11,000 upon a individualized give as substantially as £4000 upon a assign card. The individualized give we am profitable off some period no complaint as substantially as will be transparent in 4 years, though a assign label we crapper usually effectuation to compensate a seductiveness some month, so a give volume never goes down. To essay to hold this out we practical to hit a connection bucket to counterbalance both, though we was refused. It seems to me a banks warding off to give me this give forces me to compensate them behind some-more money, as substantially as keeps me in debt with them for longher – we suspicion there were laws in locate to kibosh this category of thing? Is there anything we crapper do or some one we crapper protest to?

In box it counts this was all with HSBC

Thanks in assert for some help.