In my opinion, that breeder is Ridiculous. How does she expect someone who has Already fallen in love with a puppy return the puppy or send her more money. That is entirely her fault. It's not like you did it on purpose or anything. I think you did the right thing. I would tell her to keep the papers if she wanted to be cold hearted and all then that is on her consience. Once again not your mistake. She should have to deal with the problem of what to do with the people that accidentally got the boy. I feel you are doing the right thing. After all its papers vs. Miss Toby.lol
I honestly do not know how I could return a puppy reguardless of gender after I had fallen in love with him/her. Good Luck. Keep us posted