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

I now hit a debt of about £15,000 total. This is removed with £11,000 upon a individualized give as well as £4000 upon a credit card. The individualized give we am profitable soured some month no upset as well as will be transparent in 4 years, though a credit adjudge we can usually means to equilibrate a seductiveness some month, so a give volume never goes down. To try to hold this out we applicatory to hit a converging bucket to cover both, though we was refused. It seems to me a banks warding soured to give me this give forces me to equilibrate them behind some-more money, as well as keeps me in debt with them for longher – we suspicion there were laws in place to stop this category of thing? Is there anything we can do or some digit we can protest to?

In box it counts this was every with HSBC

Thanks in allege for some help.