A WOMAN who has sent her millionaire boyfriend a whopping £69k despite never meeting him in person has hit back at people who assume he's a scammer.
Terri met her millionaire boyfriend, Ricardo, who she plans to marry, two years ago.
But unlike most fairytale love stories, many will be surprised to learn the pair have never met in person.
Shortly after meeting, Ricardo moved to Canada for work and asked Terri to invest £7.8k in Bitcoin, after reassuring her it'd make at least £785k in six months.
Over the course of two years, Terri has sent over a staggering £69k and to date, she's never seen a penny of her investment.
Terri’s sister, Tammy, says she believes Ricardo is nothing but a scammer who is using an innocent man’s photos and sweet-talking Terri out of her hard-earned money.
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In a video tape aired on US talk show Dr Phil, Terri explains: "Ricardo and I have been in a relationship for two years.
I met him on Facebook on messenger he wanted someone to spoil and I said, 'you can spoil me!'
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"He's very handsome."
Terri sent him her phone number and the pair started talking straight away – and they've been texting and talking on the phone ever since.
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Terr explains how he told her that he lives in LA in 90210 area code but is in Canada working in Montreal.
"We started telling each other we were in love within a month," she explains.
"Ricardo asked me to marry him and I said 'yes!'
Terri, who says Ricardo calls her his wife, speaks to him at least twice a day and notes that he has an accent.
"Sometimes I can't figure out what he's saying, but he doesn't sound African," she says.
Terri also admits that it "bothers" her that she and Ricardo have never seen each other in person.
And despite "desperately" trying to get him here, she says he "always has an excuse and something always interferes with it."
She adds that around a month after they met, he started asking her for money.
"I have no idea how much money I've sent," Terri says.
"It's probably twenty thousand but I really don't know.
"People are still telling me that Ricardo isn't real, that he's scamming me, that he's not in Canada and that he's in Nigeria or some other African country.
"I don't believe them….I believe Ricardo's real.
"I would like to spend the rest of my life with Ricardo."
Making her way into the studio, Terri is then questioned about her relationship by Dr Phil.
"Ricardo tells me that he lives in LA, that his father was American and his mother is Italian, but I think he was born in the US." she tells him.
"I know he has a US passport, or at least that's what he told me that he has,."
While Ricardo claims he's half Italian, Terri tells Phil she "can't tell where the accent is from."
Terri adds that when they first started talking, Ricardo asked her to send him a photo and he "liked what he saw."
Dr Phil then goes on to ask Terri what it was that drew her to Ricardo.
"I really have no idea because he's a very handsome man, he's in shape and I'm sure a lot of younger girls than I would be interested," she says.
Dr Phil then questions whether they have "common interests."
"I have no idea," she says.
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"We don't we don't talk much about interest."
He adds: "Yeah just love and money…"
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