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@rodabod
At a guess, in excess of £10k. I loaned my Father lots of money over the last five years or so, on the condition that hoard it all back to me plus interest. The mortgage company were not happy about this, and wouldn't accept it unless I declared it as a gift and got him to sign a disclaimer after he returned it.
Worse than that, I had ISAs which I paid into my current account, and they wanted a full audit trail for where the money originally came from. "It's MY money!!!" .