Your mother is not a legal party to the loan in any way [[https://www.huffpost.com/search?keywords=whatsoever|whatsoever]].
You or  bangcacloai.com ([[https://bangcacloai.com/lam-chung-chi-nghe-co-khi-2025/|https://bangcacloai.com/]]) the borrower would have to be disabled.