A well conceived contract is a great thing in situations like this.
In general contracts are good because they provide protection to both the customer and the vendor (the band).
If you take the time to carefully craft, draft and refine whatever contract you use to book gigs, it can really help to add transparency to the terms of the event and remove ambiguity and guessing.
If either party fails to abide by the terms of the contract it's much easier to assess who is liable in the event of a breach of contract.
In the contract I've used for decades it establishes all fees and deposits (usually a 25% advance must be paid to secure the date) and provides assurances that the customer covers all permits and fees for the performance venue, ample time before and after the event to load in and out, assurance that adequate power, light, shelter from inclement weather is provided, including protection from excess of wind/sun/rain.
This contract also states that if all band members are present on site, and prepared to perform but weather, fate, or "act of God," prevents performance , the band is to be paid IN FULL.
If serious terms of the contract are breached it is much easier to enter into a small claims court complaint, arbitration or litigation... (or at least the threat of any of these.)
PROTECT YOURSELF AND YOUR BAND AND LEARN TO USE CONTRACTS FOR GIGS THAT MANDATE IT.
Well stated. This can't be stressed enough.
During pre-event consultations and walking my clients through the contract, I don't mince words or demur. In case they hold any stereotypes about musicians being flaky, I send the clear message this is serious business, a big part of my livelihood, and I intend to be paid and see all terms of the contract honored. The terms are crystal clear. That's probably why I've never had a client intentionally try to screw me yet.
The reservation fee is just that: The client is asking me to block off an entire day for them, and I will have other performance opportunities for that day that I will have to decline. You want me to block off a day for you, 50% down, non-refundable, gets it done.
In my early days I had some push back from clients who couldn't or weren't comfortable paying me 100% of my fee in advance. Even as a solo performer I was in the $1,500.00 range, and I'm charging more for a band. That's a lot of coin on a handshake and a piece of paper, and people get scared, rightfully so. So I backed off on that. If you think about it, the standard and norm in the service industry is the vendor provides the service, then they get paid. You go to a restaurant, eat your food, and then you pay when the services have been rendered, in that order. Exterior house painter comes out, gives you a quote, charges half in advance, and gets the balance when he finishes the job.
In general, if the terms of your contract are fair and legally binding and you make them clear up front, clients do their best to comply. I always remind the wedding couple how intensely busy their day will be and to get as organized as possible before they even arrive at the ceremony venue. The bride tries to get all her ducks in a row but she has to delegate responsibility to her wedding party, planner, or venue coordinator. That's a lot of people to trust. Every once in awhile someone drops the ball.
When that happens, it becomes a matter of how we as professionals with a reputation to maintain handle it that defines our level of service. It sure is a pisser when everyone is looking at each other and asking, "Where's the entertainment envelope?" But if you want good referrals and recommendations (the life-blood of success in any business), you have to be diplomatic and not let emotion play into it and make the situation worse. Err on the side of patience and forgiveness.
In OP's case, we don't know how tight this "wedding planner" and the bride are, but my hope for OP is the "planner" didn't have something nasty to say to the bride about how he got snippy about his payment, disrupted the flow of the event, and had people scrambling around for cash. The fact she snubbed OP is not a good sign. Even if OP had a right to be upset, even if she screwed the pooch, she's one of the vendors at the wedding, and vendors all need to get along and give each other a wide berth sometimes. Friction between vendors sends out negative vibes that get back to the bride and influence her evaluation.