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Mrs Ruth Williams – Hello Dear

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Yesterday, I received an email from one Mrs. Ruth Williams who informed me that she wanted to donate 35.4 Million US Dollars to me. It had all the classic phishing email characteristics. My evolving communication with Mrs. Ruth Williams and her specified agents is reproduced below. As usual my comments are in red.

Email from Mrs. Ruth Williams to me

—–Original Message—–
From: Mrs.Ruth Williams <>
Sent: 07 August 2022 02:21
To: undisclosed-recipients: (she wants to donate 35.4 million dollars to me but does not know my name!)
Subject: Hello Dear

Hello Dear

My name is Mrs Ruth Williams; I am a dying woman who has decided to donate what I have to you/church. I am 77 years old and I was diagnosed for cancer for about 2 years ago, (english is always their weak spot) immediately after the death of my husband, who has left me everything he worked for and because the doctors told me I will not live longer than some weeks because of my health, I decided to donate the sum of $35,400,000(Thirty five million four hundred thousand dollars) to you for the good work of humanity, and also to help the motherless and less privilege and also for the assistance of the widows.

I wish you all the best and may the good Lord bless you abundantly,and please use the funds well and always extend the good work to others.Contact my lawyer(Barr Umeh Johnson ) with this pacified

emai( and tell him that I have

donated($35,400,000.00) to you and I have also notified him. I know I don’t know you but I have been directed to do this. (who could have directed her to give ME so much money? Perhaps, the Good Lord, Himself.) my lawyer will assist you to claim the money from the ECO Bank.Bank where it is being deposited. (I just don't know why most donors of this kind have money locked up in some bank in Africa?)

Thanks and God bless.

Mrs Ruth Williams

This is a phishing email, no doubt

As I mentioned earlier, this email has all the characteristics of a phishing email:

1. Addressed to undisclosed-recipients

2. The donor is just about to die and wants to donate huge sum of money to a complete stranger.

3. Reply to email is different from the email used to send the message

Since I love communicating with such phishing scammers to learn their tricks, I sent an email to Mrs Ruth Williams and her lawyer

My reply to Mrs. Ruth Williams

7 Aug 2022, 17:21

Dear Ruth,

I am really unhappy that you are unwell and suffer from Cancer. Why a kind and gentle woman like you have to suffer so much.

You are really kind to donate 35.4 million US dollars to me for the good work of humanity, and also to help the motherless and less privilege and also for the assistance of the widows.

I assure you that I will do all the good work in your name.

Do tell me what I have to do to get the money for the good work.


Collins Nanabijou

I received the following reply from lawyer of Mrs Ruth Williams

Barr Umeh Johnson
Mon, 8 Aug, 08:42
to me

People Chamber CHAMBERS
56 Craven Street Charing Cross
Cotonou WX 2N 5 BP,Benin Republic

This is People CHAMBERS, Benin Republic . It is my great pleasure to read through your mail, I wish to inform you this funds claim is 100% legit. Please kindly decline if you wish not to claim the funds bequeathed, if you do decline we will not appreciate receiving an unwarranted proposition from you, so after you receive this mail if you wish to claim the fund send below information for funds release. (English is hugely suspect.) In respect of Mrs RUTH Williams Will, it might interest you to know that Late Mr WILLIAMS and her (her?? Late Mr Williams will be turning in his grave at being referred to as “her”) wife are a very honest and nice family. It's so sad to see Mrs.RUTH suffering from cancer for 2 years.

Well, I have faith that nothing is too difficult for God to do in her case. As a matter of fact, she informed me, anybody that writes me either she is dead or alive and quote the reference numbers, I should not hesitate to deal with him or her in respect of the deposited cash of $35,400,000.00 (Thirty Five Million ,Four Thousand US Dollars) to carry out her good will. Right now, the cash in question is deposited with a ECO BANK in Benin REPUBLIC. If I am sure and pleased with your willingness and sincerity to carry the responsibility in accordance with the donor's good intention, I am going to give you proceedings for funds release to you. Please be informed, this transaction should be highly confidential till we finalize this project and confirm the funds in your hand/custody because I will not want anything to jeopardize the funds release to you. On this you are expected to send your Full Name, Full Address, and Real Tel Number, Occupation or any form of ID that will allow me to proceed in funds release to you. I know you will be wondering how your email was chosen, She did an online search herself and chose you. You need not to worry this transaction is problem free & legit. In my next email, I will send you her telephone number in order to speak with her. But,I don't think she will get Power to speak with you, because she is very weak.


-The total sum of $35,400,000.00 will be transferred/released to you confirm able in 2 working days.- All correspondence will be strictly by private email / telephone, for security purposes.- There should be no other third parties as most problems associated with such payments are caused by their agents/representatives/advisers. If you AGREE with my conditions, l will advise you to send requested information earlier asked via the same email.

-This transaction will require a bank to bank transfer,or if you do not have an account today, endeavor to set up one before the Notarization process is completed.

– This funds should be used for humanitarian/charitable causes, setting up a
Cancer Foundation and Charity Home in her name (Mrs RUTH WILLIAMS Cancer
Foundation, RUTH Orphanage Home respectively)


In order to start up the Change of Name to process this WILL, please
1)Full Name
3)Full Address
4)Tel Number

Best regards,
Barrister Johnson Umeh (ESQ)
People Chambers (Benin Republic

My reply to Barrister Johnson Umeh

Collins Nanabijou <>
Fri, 12 Aug, 17:22
to Barr

Dear Barrister Johnson Umeh,

Many thanks for your email.

I am happy to receive the donation for helping the poor and teh Church. I will pray for the recovery and good health of Mrs  Ruth Williams.

You are dong (I too am allowed to make spelling mistakes. No?) a very good job in helping her distribute the money for good cause.

Details required by you are below

1)Full Name – Collins Nanabijou
2)Country – Canada
3)Full Address – ABCD, Balmoral Street, Thunderbay, Ontario
4)Tel Number – 1-807-xxx-xx08
5)Occupation – Business

Do let me know how to proceed

best regards

Collins Nanabijou

I received the following reply from Barrister Johnson Umeh – Lawyer of Mrs Ruth Williams

Barr Umeh Johnson
13 Aug 2022, 18:23
to me

Dear Collins Nanabijou

I have proceed to High Court of justices to get changing of ownership certificate on your name.I have got the changing of ownership certificate of the FUND and the FUND information has been changed on your Name today.I have giving the changing ownership certificate to Eco Bank manager for verification .you are advised to contact the ECO Bank Immediately with information below.after changing the FUND ownership certificate on your name, I inform the bank Manager that you will contact him for the transfer of said FUND into your bank account#. (I forgive all the English grammatical and formatting mistakes of a person who is going to great lengths to give me 35.4 million USD)

Below is Eco bank information
Bank name: Eco Bank
Director Name: Rev, Augustus Agala

Best regards,
Barr:Umeh Johnson (ESQ)
People Chambers (Benin Republic

My email to Eco bank

From: Collins Nanabijou 11:53
to eco-bk-ltd, Barr

Dear Rev Augustus Agala

I have been directed by Barrister Johnson Umeh to connect with you with respect to the donation of 35.4 million US Dollars by Mrs Ruth Williams to me for the betterment of underprivileged children, widows and the Church.

Do let me know how you are going to transfer the money to me

best regards

Collins Nanabijou

I received the following instructions from Eco bank

Attn; Collins Nanabijou.

17 Aug 2022, 13:51
to me

Attn; Collins Nanabijou.

We acknowledged your message with the contents noted, you are required to fill your information on the space below and forward back to this bank for immediate commencement of your payment approvals for transfer.

Fill your information of the space provided as below.

1. Your Full Name:…..

2. Your Address:………

3. Your Phone Nu:…..

4. Your Fax Number:………

5. Date of Birth/Sex:…

6. Your Bank Name:….

7. Bank Address:……….

8. Account #:……………..

9. Swift Code# or Routing Number#

10. Account Holder Name:..

On receiving the above listed information today, you will be informed of the payment transfer modalities.

We anticipate your urgent corporations.

Rev, Augustus Agala

Director Foreign Operation Dept .

E CO BANK Plc, Benin Republic.

Tel: Tel:+229-69646837

ECO Bank Building, It's management represent only the Banking Marketing Group, which is authorized for All Banking Activities, life assurance, pensions, unit trusts, insurance and regulated mortgage

I am surprised

I am a little foxed. So far there has been no mention of any payment to be done by me to them. Need to understand their gameplan. With just my bank details, I don't think they can withdraw money from my account.

My reply to Banker of Mrs Ruth Williams

From: Collins Nanabijou 15:17
to ECO

Dear Rev, Augustus Agala

Thank you for your email

My deatils are given below

)Full Name – Collins Nanabijou
2)Country – Canada
3)Full Address – ABCD, Balmoral Street, Thunderbay, Ontario
4)Tel Number – 1-807-xxx-xx08
5)Occupation – Business

1. Your Full Name:…..Collins Nanabijou

2. Your Address:………ABCD, Balmoral Street, Thunderbay, Ontario

3. Your Phone Nu:…..1-807-xxx-xx08

4. Your Fax Number:………I do not have fax number

5. Date of Birth/Sex:…July 19, 1984

6. Your Bank Name:….Scotia Bank

7. Bank Address:……….225 Red River Road, Thunder Bay ON P7B1A7

8. Account #:……………..00687 XXXXX 21

9. Swift Code# or Routing Number# NOSCCATT Canadian Clearing Code – CC000270227

Transit – 70227

Institution Code – 002

10. Account Holder Name:..Collins Nanabijou

I hope the details are enough for the payment transfer

best regards

Collins Nanabijou

Last updated on August 20, 2022

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