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The one main character is referring to her mom (Mary) in past tense as she has died before the story starts. I have written this referencing the mom as both "her mom" and "Mary" but I feel it's confusing and that I should stick to one or the other.
Be very clear which POV you are in for a particular scene. Use dialogue to keep it clear. Her POV should always refer to Mum, but others can say Mary. In other POVs refer to Mary in the narrative.