The lenders are all UK companies, Zopa (mentioned in first post), Creation Finance and Drafty. Unlikely any of these are directly linked to the scammers, more likely they are known to them as having lax lending processes. We do have the loan agreements, they are standard UK regulated companies, the paperwork is all broadly correct and legitimate.
Quite the opposite, i've said she is definitely at a financial loss, to the tune of around £22k, the value of the loans she has taken out.
There is no suggestion her device was hacked, she was persuaded to willingly give remote access to enable them to 'help'. I am very well versed in Cyber security techniques, and have ensured her devices are certainly secured against further access. There is no money to move. She has been well coached on how to handle future calls.
"if these are UK companies, i suggest an immediate irresponsible lending complaint goes off to each UK company involved and to contact FOS/FCA etc etc."
Thanks, we have had little joy from the lenders (not our problem guv). I will take a look at what the complaints process entails and work out the correct order to handle this.