Need a little more information to understand your problem. What do you mean the whole bank is breaking down? Has the bank started to show signs of degradation (low cell voltages, plate shedding, internal corrosion, loss of electrolyte, etc.). What kind of cells are you talking about (NiCd, lead calcium, etc).
The fix depends on the problem. If you have a few cells that are bad (internal shorts, contamination, cracks, etc) you can jumper around them and take them out of the circuit. This is not ideal but at least you can get some of the battery bank back online. You will have to adjust your charger to the new float voltage since you now have fewer cells.
The question should be asked why are the cells going bad. Are they the correct type for the usage? Are you floating them at the correct rate? Have you been performing the proper maintenance? Have you performed a capacity discharge test to see what condition the cells are in? Have you been taking cell voltages and if so are they fairly close in value? How old is the battery? What was the expected life (warranty) of the battery? These are just some of the questions you need to answer to determine why you are having problems.