if ptsb refuse to give me 9k on to the term loan and I decide to stop paying them for a few months so, I can pay off the credit card and get it cleared. What action can they take against me? I would resume payments again once the card is reduced.
I don't think that ptsb will give you an additional unsecured loan of €9k to clear a credit card.
They should agree to extend the term of your loan from 3 years to 5 years, which would help a bit.
Don't ask for a new loan as you won't get it.
Tell them that you are under severe pressure and something has to give.
Ask to extend the loan to 10 years and ask for a 6 month payment moratorium so you can make inroads into your credit card debt.
You should also ask for a deal from Avant card.
Put your case in writing to ptsb after meeting them.
1) I have acted responsibly at all times and want to continue doing so.
2) I have made huge personal sacrifices, but life is now not worth living.
3) My credit record is perfect despite a failed business.
4) This is my plan and I need your help to achieve it.
5) My loan is absolutely secure as I have a mortgage free house
If they refuse, then you must take unilateral action.
Reduce your payment to ptsb, but pay them something every month.
Maybe clear the Avant card over 2 years.
ptsb is unlikely to take legal action as long as you are paying.