Enabled and caused by her mother.
I have a friend who I really like but her anxieties are massively being projected onto her daughter in various ways and have been since nursery.
There's a bunch of us who are concerned and we are fairly sure the school have similar worries.
As I say we really like this friend but we can see she's borderline Munchausen by proxy in various ways and it's troubling. We don't quite know how to help both of them except to offer support and challenge her when we can rather than enable it. Friend has a massive backstory which we sympathise with but it's starting to get too much for a couple of the group too.
The infantilisation, the 'she couldn't possibly do this', the 'she is at risk of x because y' and the 'my child has to have all the right things otherwise they will be bullied' to the point of mum going completely ott on buying things she can't afford and then saying to everyone else who doesn't have those things (and really aren't arsed) that they won't be seen as cool enough is really unhealthy and has impact on all those around them.
The kid is much better off and happier when mum isn't there whispering all this in her ear. She just gets on.
But unfortunately mum has created a codependency because of her own issues so I foresee a car crash eventually playing out in some form either cos mum causes an issue or because daughter eventually rebels against mums behaviour. We are trying to help and support her to prevent this.
The OP is definitely displaying a red flag here in her wording that most posters have picked up on.
The OP really needs to step and ask if she's creating these issues rather than them coming from the daughter because that's what it looks like.
If the daughter does school refuse, mum gets to say 'oh well I knew it' because it is self fulfilling and it plays to mum's anxieties and traps the daughter with mum rather than allowing her to flourish. That's the real danger - and actually the change to high school is a point where the daughter is at risk. Mum can't cope with daughter growing up - and almost tries to prevent it. If she doesn't go to high school she can control the daughter...
It should be seen through this lens rather than through the lens of it purely being the daughter panicking because it's coming from somewhere and there's something driving it. Previous bullying alone doesn't explain it given the OPs comments.