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Have you made a report to the police?
Thank you. You need to get to the bottom of the transfers. If it is just that your mother agreed to it then tat is not a theft. It might be entirely morally wrong to borrow money in these circumstances but it is not a theft. That would be consistent with the repayments. If she didn't ask permission first then there is an argument that is theft although she could argue she intended to repay but that might not save her.
If it is not theft but she still owes something then your mother could sue and will win on these facts.
If it is just a loan then it might amount to fraud. It depends on what was agreed. If she can show she was going to repay then most criminal charges tend to fail. If it is being argued they were gifts then that gets harder for her.
Can I clarify anything for you? Jo
Then that is just civil. But if she hasn't repaid then she can be sued and your mother would win.