I'm stuck on Zone 3 in the fight with the 3 spectres, they hit hard.
I'm a level 14 Cold Hydro, my abilities are as follows:
2x flash freeze(4/4), mind freeze(1/4), regulate(1/4), frost, hypothermia and vapour cannon. About 130 instinct and 76 vitality Also 3/4 cold neurology and enough cash for a respec.
First, if you haven't been, save before you respec to save yourself loads of cash.
Frost and Hypothermia are pretty much junk. Glacier is much better if you want a spam skill. Having Flash Freeze and Mind Freeze maxed lets you lock one enemy by preventing the use of focus skills for free. Ice Wall, even at level 1, is a great skill for defense (and a prereq for Glacier), and Dead Man's Plea is also good for support. Cold Neurology is good, but those skill points could probably be used better elsewhere at your level. Maybe spec a bit in vitality or equip some more vitality gear if you need.
Obviously, I don't have an exact build. Just try out some of the stuff I mentioned to see if it makes the fight any easier.
Use glacier against them, not hypothermia... Also, don't use regulate; you don't need it. Max abilities don't use any focus... You don't need neuro yet, put it in crystal ice...
I'll put more in the morning if it hasn't been resolved by then but this ought to be enough for now...
I actually won the fight almost 15 minutes after posting. I just discovered that glacier stacks, respeced, maxed it, got rid of hypotermia and regulate, and put some points in shatter and crystal ice. A bit of luck and I won at the first try with this configuration. I sticked to it and found it really powerful, using flash freeze, mind freeze, frost and subversion I beated gregor without leting him heal more than the first time and only using subversion once.
