So basically she had the shoulder strap BEHIND her.
Not necessarily. My wife wears it the same way, and for the same reason. She slips her arm OVER the belt. It's still on, just across her chest at a lower level.
Ya I finally understood what she was saying.
Still a bad way to wear a seatbelt - actually might be even dangerous, given that it's a recipe for broken ribs and punctured lungs.