probably best paying the penalty fare unless there is some technicality in the paperwork that she can get off on.
This case seems ludicrous to me. Even more that we now hear many of these tickets have no name written in so this is NOT actually a real policy they care about after all!
To think that after persuading you to accept compensation for a delay in kind rather than cash to their benefit, they can then trick you into forcibly handing over even more money to them rubs salt into the wound!
I'd be expecting a big apology from the train company for this, Raise a complaint, go to the Ombudsman, Transport Focus or your MP as necessary.
I'd even try a cheeky FOI to find out how many of these tickets they've issued and how many of them have names filled in and how many don't! If they don't record that information, and people reading this thread can come forward with actual examples of tickets without names, it would speak volumes!