Is it possible to negotiate with the bank to consolidate my loan and credit cards?

When the majority of people get a loan, they don't care about the conditions imposed by the bank to guarantee the repayment of the loan amount.

It is known that the bank wants to make a profit, and therefore all excuses related to late payment or non-payment are not acceptable.

I understand the difficulty of your situation, but you have to negotiate with the bank about your problem, and I am not sure that the bank will solve this problem.

I know how much you are suffering, but the solution in my opinion is to collect some money to pay off the loan as soon as possible.

I know what I'm saying may be difficult for you, but I'm not optimistic that the bank will find a magical solution for you.

I'm sure you didn't review the terms of the contract when you signed it, but you are bound by them.

Therefore, you should review the contract with a legal person to assist you in negotiating with the bank for a reasonable solution.

Bank policies are not the same. Try to negotiate a settlement with the bank.

Negotiation is not required to be in the Emirates. It is important that everything be in writing, in official emails.