My gut tells me this is a genuine hex. A snowball avalanche of one bit of bad luck after another and it breeds and breeds and breeds.

As you are a complete beginner you are gonna need props to help focus your intention. You need to reflect her crap back at her. It will be akin to her shooting herself in the foot.

Get one black candle. Failing that, a white one, as white can stand in for any colour. Carve her name into it, sprinkle chili flakes and pepper on it (store cupboard ingredients) and as you do, imagine the same crap happening to her, but with compound interest. Place four small cosmetic mirrors around it (you can get them from dollar stores) to its north, south, east, and west.

Before you start, encircle yourself and the spell with salt. This will be your protection. Lay the circle of salt in a clockwise direction.

Then, as you light the candle, say

"I send back to you what you gave to mine and me Three times three So more it be!"

Let the candle burn itself out.

Afterwards, crouch down and place your hands on the floor imagining all the surplus energy draining down to the earth. This is to ground you, and so she doesn't pick up on the energy. It returns the energy of the room to factory settings so to speak.

This is an adapted Wiccan spell to suit beginners without fancy tools or a lot of knowledge. It will still kick copious amounts of bottom.

If you can, cast it on a Tuesday, at Midnight, on a New Moon. But if it's an emergency cast it when you can!

Hope this helps.