I also would call the cc company and do a chargeback.. they will freeze the finance charges on it while they investigate and then you will get your money back.. I have had to do that before too. That is really sad that she is a tpf'er and did that to you.
I am definitely going to do that.....luckily she only has that one post here!
It is just so maddening, because even if i get my money back, she will still keep the money, kwim?