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As said report to Police, but as its a 'friend' or someone you had dealt with before it will be treated as a civill matter not a crime of fraud
If you took at a loan inform that loan company that you have been defrauded of the money whilst they wont write it off they may at their disgression make hanges to the paymant.
If you are a carer for your Mum I trust you/she are getting all allowances that you/she qalifies for eg Carers allowance etc.
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