You’re basically paying £82 a month to have £4k in savings. That’s a crappy deal.
Pay off the credit card and you pay £0/month to have £4k in available credit which you should avoid using at all costs (ie only for boiler breakdown, vehicle repairs etc – beg, borrow or steal before using this credit, unless you have the money in the bank to clear it down the following month).
The loan is what it is. Don’t consolidate it with the CC debt, you’ll end up paying more overall and for longer. Pay it off over the remaining period (using the £82 you’re saving on CC repayments), and once it’s done redirect the £150/month into savings instead.
Ask (and make a case) for a raise at work if you can, because if you don’t ask, you won’t get, and a lot of the time the worst they can do is say ‘no’. Your situation may mean this isn’t a goer, but increasing what you bring in is always worth pursuing as a possibility.