I am not a LAQ but going by your pics, it just looks like she was careless and a fold occurred. I would be inclined to send a letter, and copies of your pics and formally request a partial or full refund. If you accept money for quilting or anything else, you are in effect operating a business. When operating a business is is best practice NOT to rip people off. If you feel uncomfortable speaking with her...just put in in writing. This person is a business operator...not your best friend! Perhaps, she will then be willing to either offer a refund or redo the work correctly.