Okay, so I figured a work around - it's caused when you blue screen trying to log out of a character... it then almost puts the entire NA server on lockdown for your entire PS4... doesn't matter which account I was on.
The workaround - is that you must login to an EU character and log all the way back out (closing app doesn't seem to work) then you can login to the NA one. I'm not sure what exactly is causing this issue... but that at least has a 100% success rate as a work around.