Thank you. Whether this is enforceable in law comes down to whether this was an informal family arrangement meant to create legal relations (that is the legal terminology) or whether it was an informal family arrangement .
Your mother lent you this money on the basis that it would be paid back one day and then, for whatever reasons, she decided that you could have the money and it was to be treated as a gift.
If the money was lent to you under the terms of a written agreement, then it would be necessary in most cases for there to be a cancellation of the debt also by written agreement. The only way to cancel a deed for example is with another deed which is a deed of cancellation.
In matters like this whether the loan was cancelled and deemed to be repaid (forgiven in old English law) would come down to what evidence there is one way or the other. These matters are decided on the balance of probabilities and hence, you would only need to convince a judge that there was a slight chance more that the debt had been cancelled than the was that it was still repayable.
If you have a note from professional adviser telling a lawyer that it was intended to be forgiven, that would be enough to swing the balance in your favour.
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