It does sound like you have had a knightmare with renting. However I am trying to play devils advocate on this
a) Why did someone ask her age? I own my own home now (bought at 22/23) but before that I rented and despite being at uni then working low wages we were both good tenants and always paid on time
b) the option and this may work in her favour or yours. She says money went out of account and was returned, therefore if you go down evict option she can show you her bank statement to back up her theory OR prove you right – she may have shot herself in the foot talking about bank transfers, but she also may have a good defence if she’s telling the truth.
Don’t let your past experience cloud a new tenant, explain your concerns and ask for proof via bank statment for failed payments.
If she’s lying then evict.