Hello, I am new to the forum and haven’t posted before so apologies if this is in the wrong place.
I owe £3.5K to someone who lives in Spain.
As my payments back to her have not been consistent over lockdown she now wants to follow a legal course of action to get it back, which I know she’s entitled to do.
I’ve never denied owing the money, and have been paying back what I can afford over the past few years but my health has deteriorated unfortunately and I’m not not able to work full time. I have no assets and no savings , and I’m petrified she will summon me to Spain...