As with many of these stories we're unlikely to ever know what happened. One person says one thing, the other contradictory. Maybe the guard was a over the top, maybe they weren't.
It unfortunate that the passenger apparently got on the train without any money whatsoever, or any mobile phone to contact her partner or anyone else. I would imagine most people nowadays would have a bank card of some description on them while out and about and could just have it swiped and pay the excess fair before sorting it all out with customer services later...
Don't know what cctv would prove though - it's not going to hear the conversation! However, whatever happened, I don't buy the 'stranded' argument. To me stranded is being stuck at Berney Arms on a Sunday evening!
The debate continues...