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Do either side object?
I would be very cautious.
In principle there are no offences because there are no images and the written words are consensual.
Be aware that she cannot lawfully consent to sending any indecent image.
If it is just texts though then that is lawful but it does expose you to a dangerous situation.
Can I clarify anything for you?
Always be wary when communicating with a person under 18.
And with ladies you need to watch the ones who have a history of making allegations of abuse and run for the hills.
Most women do not accuse of course. A very small number do you and you do not want anything to do with them.