From a practical standpoint, I'd call or fax the title company and tell them what happened. Possibly, they already know the bwr was a problem.
I think that the borrower was probably not going to sign anyhow, but that's beside the point. It sounds like she's a hot head and there may have been a little angel flapping around on your shoulder for this one. I'd count my blessing that I did not have to confront that, but that's just the way I see things.
Getting there late is bad, of course, but it happens. If the bwr wanted the loan, she'd have made arrangements to be available for more than 45 minutes after 6 pm, IMHO.
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