Please Help Need Advice

rubyred35

hi im receiving income support and disability benefits . my bank tsb knows my situation , i took out aloan in april for a car 7,000 , then decided to do my home up, using overdrafts and credit cards , i called into bank and asked if i could top up loan instead of paying interest on overdraft and cards , my overdraft limit on both my accounts is 2,500 .. and credit card 7,000 , there reply was sorry not at present , then in july when i went to pay my monthly bill to credit card i was asked to see manager , she offered me another loan on the condition i paid all outstanding overdraft and credit cards off ,plus that overdrafts would be reduced to 500 only , i said i would think about this , they are constantly asking me back down the bank to arrange loan ? im very confused its like they are panicking ive never missed any payments , i cant understand why all of a sudden they will now give me a loan but only on there terms to pay all debts ?plus they offered me an extra 2,000 for a holiday ? they just seem to keen , IS THERE SOMETHING I SHOULD KNOW ? SEEMS STRANGE LIKE THEY DESPARATE TO GET MY OVERDRAFT AND CREDIT CARD PAID OFF ? please can you advise me thanks ,