Sounds like a difficult client. She is probably feeling very uneasy about leaving her child in daycare so she is attempting to find any excuse to make the experience horrible. I think she could try to walk awayon her own not leaving things on a good note. I would try to replace them right away.

As for payement and policy I would remind her that care will not be provided until all required documents and payement are received and would also remind her of late payment fees and that your WILL apply your policy. I had a temp. family that 'forgot' but when I told them about my policy and that I would not be able to provide care for them until they provided what is stated in the policy .... they stopped 'forgetting'. They were however more pleasant to deal with so I did give them a chance