Thank you all. I'll be calling my daughter early this evening so will get all the correct info as quick as poss and re-post. I do know that during her time in France she lived at 3 separate addresses (moved twice).

This is my first time using a forum and I hope someone can help. A court summons for my daughter has been posted to her father's address (she is using this address temporarily for mail as she has been living in France for the last 4 years and has briefly returned to England. The summons is seeking to recover an outstanding loan of £3k+ with interest added since 2012 of £1k+ and continuing to accrue. The court paperwork indicates this debt was with Tesco Personal Finance but the 'claimant' is Hoist Portfolio who are based in Channel Islands. My daughter is unable to deal with this. She is very fragile and I am therefore trying to do what I can to resolve matters - hopefully without any judgement taken against her. I spoke to the Court (eventually) today - the hearing is in Northamptonshire, I live in Rochester, Kent. They said I needed to get my daughter to call and authorise them to speak to me. However, in general terms they said there was 19 days from the date of the summons to respond (I couldn't see 19 days referenced on the court papers however I'm looking at this from a phone so won't be able to see properly till this evening). My daughter tells me, that she was having difficulty paying and was in correspondence with Tesco before she went to live in France. She also communicated with them when she went to France however, they never replied to her French address - I believe there may have been a couple of letters to the address we shared in London (not with her father) however I moved to Rochester 3+ years ago. She does not have a copy of the loan agreement, payments made, or interest applicable so it's very difficult to put together a defence. Certainly this (the court summons) is the first communication on the outstanding debt that she's had in a very long time. And the first time that she's received anything addressed to her father's home ... my daughter is living between places before returning to France. If the debt is correct, my daughter doesn't have the means to pay neither is she well enough to deal with this. I might be able to pay something but couldn't make the full amount - possibly £2-2.5k. I would like to be able to act on behalf of my daughter (or get someone else to if that's more appropriate), ideally if a court judgement could be avoided I know that would ease her worries. What should be my immediate steps? What else can I do? Is there anything I should avoid doing at this stage at all costs? Any advice would be so much appreciated. Thanks.