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Thankyou I will look into what paperwork we have to verify this before I make any decisions as I don't want to burden my mother with anything!

What would I need to show my mum was a proper creditor? Also if they said she wasn't then would she need to pay it all back even though she's used mos...

Can you elaborate on the 5 years 6 months thing? She have me a loan years ago to pay off old debts of £20k and I needed to pay it back!