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Legal charge over land, business loan, PIA query

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Good morning,

I secured a business loan of 110k with a legal charge over lands belonging to my family, current market value approx 85k.
The company dissolved in 2010 and i have been making small payments where possible with agreement from the bank.
The bank now want to proceed with payment of the full balance.
I have made a few offers of payment monthly with annual lump sums, these were rejected.

I am meeting a PIP next week to see is this an option to enter into a PIA,

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Legal charge over land, business loan, PIA query

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