Just heard back from the bank, I was declined for the consolidation loan. Their reasoning: they think its too risky for them to take on my debt.
I'll admit that I'm disappointed but was kind of expecting it. It was a shot in the dark, after all. I still wonder why they made me go to all that trouble just to be declined. CIBC is weird, I guess. Oh well, I just gotta keep trudging on and try again in November.
I'm done work for today, happy long weekend (again)! TTFN, Morgaine.