Thanks, I hadn't considered compunded interest. I work with personal loans and additional borrowing so had just based it on what i'd dealt with so it had seemed so high. I think its going to be a few months for her to be able to afford everything as she had bought the house knowing it would take a while to renovate so all her money had gone into that. And there are just under three left before she had agreed to pay. Do you know where she would stand legally? She would be happy to pay what she can afford but I dont see the budging from £100 which she can't currently meet.

Thanks for taking the time to read.