Pin
I think your maid fake her sleeping disorder, she just didn't want to work for you.
The maid agent, if really the justice kind will send her back and he lose only the commission he paid to the filo agent and that's it. So his loss is not as much as the employer who actually pays the commission to the filo agent and the singapore agent (so called loan). Besides, the employer already paid agency fees and these went into the documentation processing fees with MOM.
What can the cousin guarantee? Can she guanrantee that the maid wouldn't die during sleep if her sleeping disorder is real? You have seen with your own eyes that she is talking to herself at 3am, and the agent agreed with you that this maid can't work, might become 'mad', ask the agent if he is right to market this kind of maid to other employer who badly needs maid like you to look after babies and toddlers.?
You have to stand firm with the agent that you are not to be penalised for the maid's loan because the maid has a sleeping disorder or even if she is faking it, you only had her for 5 days and she didn't want to work with you and not the other way round. Besides you already paid insurance, bond protector etc. All these are kind of $$ in the drain. Of course, certain times $$ is a BIG consideration but justice ought to be done.
If the agent refused, I will choose not to get replacement maid from this agent anymore. To save the commission (about S$1k) paid to the filo agent, he wants to put many families into pain and agony. To me, "you liang xin" is not just lip service, it is about action from the heart. In any biz, there will be cases that you lose $$ but you win in a big way, i.e. you have integrity and honesty which is the most important critera for any biz to succeed.
This is just my thought!