I'm sorry that you spent the money without realizing you were not going to be able to use your saddle!
It really sounds like she wants you to be able to use it. I can see her reasoning, though - I went to a camp one time where you could bring your own horse...this one girl's saddle literally busted apart in one lesson, and she went tumbling to the ground.
I guess their logic is if they own the tack, they know what condition it's in...they don't know if it isn't theirs.
Sucks, I know, but keep your chin up...something may change!