Although the television audience thought that the show was going out live as it is broadcast between segments of the National Lottery draw, Miss Talibard was actually watching with friends in Jersey.
The show was recorded in London in early October.
Miss Talibard (30), who works for the law firm Maples and Calder in St Helier, was beaten by a question asking what dance was popularised in the 1940s by movie legend Carmen Miranda.
Miss Talibard successfully answered two questions to beat a number of the audience members.
However, on the final question she gave the answer rhumba when the correct answer was samba.
However, she had not told her friends what happened, and they had to wait, like the TV audience, with bated breath until the answer was revealed.
She could have walked away with £8,000 by not attempting to answer the last question.
‘I was determined to beat the 100 and knew that I could also have played my “”double”” that would have added another £50,000 to the prize fund.
‘It was a gamble, but you are only in that situation once, and I thoroughly enjoyed the whole experience.
I went there with nothing and came back with nothing,’ she said.