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Does she work?
is she UK-based?
How much do she owe?
has she made any payments?
I wouldn't start considering legal action now then.
She is not in breach of the loan agreements yet. Until she is you will not be able to claim.
However if she does not pay then you would have a claim against her that you could pursue at the County Court. It does exceed the Small Claims Court but that doesn't mean that your claim is not valid in law.
You can issue against her here
Can I clarify anything for you?
She is just potentially going to default on an agreement.
Yes, I don't think anybody would think this was a gift.
It doens't matter what she said to the bank. A judge is not going to accept you gave her £25k as a gift.
the procedure will be different in Scotland but it won't change the law substantially.