By BERNIE BELLAN This is the ninth part of a story about a delusional Winnipegger who believes he is someone of great wealth and has spent the better part of 30 years contacting people all over the world telling them that he wants to invest in their businesses or projects. The first eight parts of this story are all available to read under the FEATURES category on this website.

Here is part 9 of my story:

Of all the deceptions in which Fred Devlin engaged over the years, arguably the one that inflicted the most damage was on the man I’ve been calling Charlie, who lives in the Democratic Republic of the Congo.

As I’ve explained, that initial email which I received on January 16, 2026 was supposedly sent by Charlie (whose real name sounded much more African than that). While I was impressed by the quality of writing that went into that email and responded to it immediately it came as a surprise to me that the follow-up email which I received did not come from Charlie. Instead it came from the man I’ve been calling Rick.

Why was Charlie’s name being used as the author of an email whose contents were so explosive if, in fact, it was someone else entirely who had written that email?

I’m still not sure of the answer to that question. Clearly Rick had his own reasons for not attaching his name to that January 16 email, but when I finally did hear from Charlie it wasn’t until March 7 – and what he wrote was so plaintive that I was prompted to send him some money.

Here is the line of communication that began between Charlie and me – and which is still ongoing as I write this:

emails between Charlie and me sent on March 7, 2026

Hi Bernie, I’d like to kill myself and leave a note, because I’ve got a bad reputation now because of Fred. Next week I have to pay $1200. Fred told me to borrow it and start a charity he was going to fund on January 25th, but so far he hasn’t done anything; it seems like he forgot. I need to find this money and I don’t know how. I’m considering suicide because I have no other options.

Thank you. 

Hi Charlie,

To whom do you owe the money?

Bernie

He’s the owner of a cooperative and savings association, and luckily he knows Fred too, because he gave me that money in two installments. Fred also emailed him asking about the banking procedures for transferring the money from Luxembourg. He also knows Fred. He owns this association. He gave me that money because he saw Fred on the video call and it was Fred speaking. But at some point, Fred denied it; we have all the evidence.

Fred said he was going to put down $450,000 or $300,000 in January to start the projects. Everyone in my town knows this story, and everyone is a witness.

Charlie

Did the fellow who gave you the money make you sign something?

Bernie

Yes, he did

He gave us 1000 dollars, and we have give him 1200$.

Charlie

I don’t understand. This fellow gave you $1,000 but you’ve given him $1200. Do you mean that you owe him $1200?

Bernie

Yes, the $200 is for his benefit. If you borrow $500, you have to repay $600. If you take out a loan of $1000, you’ll repay $1200. I owe him $1200. And besides, we wanted to take out a loan of $3000, but I had my doubts. I’d like to kill myself because I’ve lost my reputation. Fred even sent me to the leaders of my town, telling them he was going to improve living conditions here and create many jobs, telling them he was going to implement “Congo Improvement Projects.”

Charlie

Maybe I can negotiate a deal with this guy that you owe money to. What if I offer to pay him $500? Will he let you off the hook? $1200 is a lot of money.

Bernie

If you could help me by just paying him $600, that would be great because he can give me another three months. And I can also arrange to pay in installments. But it will depend on your availability. I really thank you so much.

Charlie

Before I agree to send any money I want to see something in writing from the guy you borrowed from promising that he will give you another 3 months to repay the other $600.

Bernie

That’s a good idea, we can thank you because you just saved my life. I’ll do it, but on Monday. Because tomorrow I can just tell him this and complete the document. Once we receive the money, that’s how we can sign. But also, here our official language is French. The document will be written in French.

Charlie

By the way – I’m Canadian. Our dollar is worth far less than an American dollar. I will only give $600 Cdn.

But you’re going to have to tell me more about how you got involved with Fred.

Bernie

Fred had contacted me alone since 2020. He told me he was a businessman with an organization called Xanadu Charitable Foundation which he wanted to establish in Africa, and that I would be the future project manager, but first and foremost, I had to be a volunteer, and I agreed to that. My story is very long; I’ll gather all the evidence tomorrow and send it to you.

I have several documents that Fred sent me, letters of recommendation to show to the leaders of my city. I have everything, and Fred himself knows this. Try asking for it; he can’t refuse because he knows I have all the evidence.

Charlie

emails sent March 8

Hi Bernie, I was talking to Rick. He told me to send more emails about Fred’s situation. I told him I’m waiting until we can finalize things with you, or until he tells you first. I’ve already promised the landlord I owe him half this week, and we’re going to complete the paperwork with him tomorrow. But right now I’m completely overwhelmed; I don’t know what’s going on anymore. You said you don’t really know my story? But I wrote it to you a long time ago. (Charlie is referring here to the January 16 email. For some reason he was still maintaining the pretense that he wrote that email.) Double-check your emails. And if you have any questions, you can ask me.

Charlie

Yes, I read your story, but it doesn’t tell me how Fred found you. I want to know exactly what you did when Fred contacted you.

 I also want to see something in writing that shows what Fred promised you. 

Finally, I want to know the same thing I’ve asked everyone else: Did you ever do anything to check out whether what Fred was telling you bore any relation to reality?

All that I’ve heard from everyone I’ve talked to is how convincing Fred was. Am I the only person who’s met Fred who realized early on he was full of shit?

Bernie

At my age, it wasn’t easy not to believe an older person like Fred. The evidence and documents I have are, firstly, the confidential agreement he had me sign, and secondly, a letter of reference he gave me to show to the leaders of my city so they could investigate, telling them he was going to build here. I even managed to print t-shirts for his organization with my own money, and one day, I even managed to feed 250 orphaned children in Fred’s name. The promises are in our conversations, and sometimes we had video conferences with him. I’m not here to smear him because I respect him greatly; I’m here to tell the truth. I have screenshots, images, and documents to prove all of this.

Charlie

Charlie, I’ve got to know who wrote that original email I received from you on January 16. Was it Rick? If so, why didn’t he send it himself? Why did it come from you?

Bernie

For the first time, Fred sent me a Messenger invitation. After I accepted, he told me I was lucky and that God loved me very much because I had just met a great person and the owner of a large organization called Xanadu, A few days later, he told me I would be Xanadu’s future representative in Congo. I was surprised too, and I immediately checked his profile. I found he was real, even though I still had some doubts until we started video calls for conferences. We continued our discussions for a year. Afterward, he told me I had to work hard to get the representative position. He suggested I volunteer to gain experience. I was easily convinced because during our video calls, he was always sitting in a luxurious office with computers. I couldn’t have any more doubts. And that’s where it all began.

Charlie

email received from Charlie March 9

Hello Bernie, I acknowledge my mistake in not realizing Fred was mentally ill. It was difficult for us not to believe him because during video conferences he seemed serious. I was right because he always made promises he never kept. He also told me he had meetings with Donald Trump and Benjamin Netanyahu. I also wonder how someone who talks to these adults can have the time to talk to me.

Regarding the names of the people I know that Fred told me he spoke to about his businesses, I suspect he defrauded and lied to.

Charlie

On March 11 I sent Charlie $600 Cdn. It wasn’t easy completing that transaction. In fact, I attempted to send the money several times through different methods. I finally settled on using something called Remitly, but I had to have a phone number for Charlie. It turned out that he gave me the phone number for a friend who is registered with Remitly. When I entered Charlie’s name as the recipient, however, the transaction didn’t go through – and it took me some time to get the money back into my bank account. I was quite upset with Charlie over his not telling me that the phone number he gave me wasn’t his – but in the end I was able to send the money to him successfully – after I changed the name of the recipient to his friend’s name.

emails sent March 12

Hi Bernie, I’m writing to you to thank you for everything you’ve done for me. I only recently met you, but you helped me with problems that weren’t yours. I’ve never met someone as kind-hearted as you. You’ve sacrificed so much for me; you’re so kind and understanding, like a parent to me. I handed over the money today, and I’ve been granted another three months. I’m looking for a job, and if I find one, I hope I can finish the rest on my own.

I have a report I’m going to send you. It’s a report from the field trip I did across the entire country. Fred told me he was going to implement a project here called the “Congo Improvement Project.” He told me to identify the problems facing Congo and propose solutions. It was work I did with all my heart, but in the end, Fred was always there to betray me. The report is 33 pages long. It’s work I myself greatly appreciated. Right now, it’s become a real obstacle for me because I used Fred as a reference on all my CVs, and no one can trust me anymore because I defended him so much here. I said he was a good and genuine person. I deeply regret my life. Fred has just destroyed it.

Charlie

Hey Charlie,
I was glad to help. Your story was one of the worst I heard of all the people Fred sucked into his orbit. I’m still wrestling with how I should write this story. Your part of the story is especially poignant because you actually put out money that you didn’t have – all in pursuit of a worthy project that was intended only to help people.
I consider myself very lucky in that I was born and grew up in a great country like Canada. I’ve done okay financially but my no means am I rich. Still, I contribute a lot to charity. Helping out someone like you is all part and parcel of the same thing as far as I’m concerned. And just because it was difficult getting you the money – and I got upset with you a couple of times – doesn’t mean I won’t help you again. If you find it a real struggle paying off the rest of what you owe let me know. I’m prepared to help more if necessary.
-Bernie

email from Charlie March 14

I understand, Bernie. Luckily, you understood everything. What Fred did to me will hurt me for the rest of my life. Here, several people keep asking me, “When are you going to implement the project with Fred?” I always feel ashamed everywhere.

Charlie

email from Charlie March 17

Hi Bernie, I hope you’re doing well. I received some annoying messages from Rick. He told me he doesn’t believe in anyone anymore, and that we’re all corrupt. I didn’t reply because I didn’t understand. I can’t threaten anyone; I can only respect what’s in order. Personally, I wanted to write a long letter and then kill myself. I didn’t need to bother anyone or say too much. I was really surprised to see his messages saying we’re corrupt.

Charlie

emails sent March 18

Just ignore him Charlie. I don’t really know him but from what he’s written to me lately he’s clearly not well.

Bernie

Thank you so much for your advice. This time Fred isn’t calling me anymore. He did call me once, offering me money for a small project to calm me down, but I knew it was just a scam. In the next two weeks, I’m going to explain Fred’s story to the people in my town, because many people are waiting for funding from him and they don’t know what happened. In the meantime, I’m waiting for a job here. If it works out, everything will be fine, but if it doesn’t, I’ll still be in a bad situation.

Charlie

The fact Fred has stopped calling you could mean one of two things: Either he is at times aware of his behaviour and can control it for periods of time or more likely, there are people closely monitoring him now and trying to keep him from continuing his delusional behaviour online. I’d be curious to see whether he continues to leave you alone. Keep me posted and of course I hope things work out for you.

Bernie

Maybe.

Do you know why I wanted to kill myself? It’s because I sang (?) Fred a lot here in my town. We were promised great leaders that we would create jobs here, but now everyone sees me as a liar, nobody believes me anymore, everyone says I’m a scammer too. It’s difficult for me, that’s why I’m desperate.

Charlie

Well, if you need to show people something that will prove you never intended to mislead anyone I’ve been writing a story about what Fred Devlin has done – and is continuing to do. I’ve finished the first 4 chapters and you’re welcome to read it if you like – and share with anyone who is angry at you. Of course, it’s in English but I can try to translate it using AI.

Bernie

emails from Charlie March 19

The big problem is that Africans think that a crazy white person, a scammer white person, and a poor white person don’t exist; it’s difficult to convince them. Africans think that white people are perfect.

Charlie

Hi Bernie, I tried to sit down with my father and some of the elders in my town who know Freds story well. Because I’m the son of a reverend pastor, and Fred had promised my father he would build him a church. Now I’ve made them understand that Fred is a con artist; he also has a mental problem. I apologized to them. They told me it wasn’t possible, but in the end they understood, though they were very surprised to hear it. My father cried. The elders in my town told me I must be in cahoots with Fred and that maybe I’m the con artist. They asked me about the money I borrowed, and I told them I’m paying it back myself. They asked me how I met him and advised me not to trust people anymore.

Charlie

emails sent March 20

Well, you can tell them that there’s at least one white guy out there who’s nice, who believes in you, has helped you and is doing everything he can to stop Fred Devlin from making your life and other people’s lives miserable.

Bernie

Thank you so much, Bernie. They also have some questions, asking me how I had the courage to sacrifice myself like that for someone like Fred. Bernie, maybe you only know the debt I owe because of Fred, but you don’t know the story behind me, and that’s why I wanted to kill myself. For my part, I can only thank you for giving me hope for life again. But here at home, no one can believe in me anymore. I can’t leave my city, I can’t work here except start a business because everyone knows I’m waiting for funding from Fred. I’d also like to ask you a question out of curiosity: do you have any people here in Africa? Do you know Africa? Have you ever been to Africa?

Charlie

emails sent March 21

Sorry Charlie – I don’t know anyone in Africa except some people in South Africa – and I don’t really know them. I just have a good friend who’s from South Africa who still has lots of friends and relatives there and he’s introduced me to some of them online.

I don’t understand how the people in your home town still believe that Fred is going to provide you with funding. How much proof do they need to understand he’s a very sick person and nothing he has ever said is real?

Do you want me to send you what I’ve written for my story so far? I supposed you could translate it into French if necessary. Maybe then people would understand how crazy Fred is.

Bernie

Hi Bernie, I was with another team today, some of the people Fred had promised to start with me. I tried to explain things to them, and they understood, even though it wasn’t easy for them. Tomorrow I have a general meeting with them and some of the leaders here. I can even send you the photos tomorrow. Despite everything, it’s very embarrassing for me; no one believes me anymore. Some even tell me they’ll never trust me again.

I’m hated in my community now. How can I continue living this life with a bad reputation? Bernie, if you ever stop seeing my messages, know that I’m no longer in this world. It’s not easy being hated by your community; you can’t buy a reputation, it’s earned through your actions. Goodbye.

Charlie

Charlie – don’t lose hope and please don’t think of killing yourself. Of course I understand what a difficult situation you are in. Is there anyone in your town that I could speak to to try to tell them that you were just an innocent victim of a very sick person – who also victimized many other people? What would it take for your reputation to be reburnished?

Bernie

Bernie, I’m African, but somewhat civilized. I know Africans well, which is why I don’t want to put you in contact, because he’ll only ask for money. The only solution is to change my environment. When I pay off this debt, I’m just going to move far away from here. Otherwise, I risk getting stressed. I’m waiting for tomorrow’s meeting, and then I’ll tell you what happens next.

Charlie

emails sent March 24

Hi Bernie, I have a long letter to write to you today because I had a big meeting with everyone who knows Fred because of me. But first of all, I apologize if this is going to bother you. By the way, I wanted to show you the plaque that a village chief made for Fred, because Fred promised he would arrive here in 2023. He also asked me how Fred is doing.

Charlie

I hope your people listen to you & understand how you were completely fooled by Fred.

Bernie

Yes, only the wise ones understood. The others say that if I didn’t take the money, it means I was Fred’s accomplice. The others say they’re going to file a complaint against me. The others understood. Here, where I come from, promising an orphanage and not keeping that promise is a great sin; it’s taboo here. But I don’t see my future in this city. I have a bad reputation right now.

Charlie

On March 26 I wrote to Charlie that the lawyer I had contacted about taking on Jonathan as a client had told me that he had asked the head of civiil litigation at his firm to get in touch with me. I also told the lawyer that there was someone else who had been very badly hurt by having been duped by Fred Devlin – but that this poor fellow lived in Africa. I said that I really hoped a lawsuit could proceed so that Fred Devlin’s parents might finally take steps to harness their delusional son and keep him from contacting anyone ever again with a promise to invest in a project with that person.

I sent Charlie a copy of what I had written for this story to that point.

He responded: Thank you so much, Bernie. I just translated and read part of it. Congratulations on what you’re doing; you’re a true writer. Fred called me 10 minutes ago saying he wants to work with me, but fortunately, I ignored him.

Charlie

Can you keep a record of every time he calls you and I hope you keep all messages he sent you.

Bernie

Yes, I keep just messages and mails

Charlie

ok that’s good. Do you think you could send some to me – not all of them, just ones where he promises he’s going to fund the charitable foundation he wanted you to set up. I want to use them in my story – with the names changed of course.

Bernie

But he did a lot of things via video calls and other things in writing.

Charlie

emails sent March 27

I don’t know that anything I would do would make any difference, but I’d like to have as much written material as possible for what I’m writing.

Obviously, you can’t send me videos or memories of conversations.

Bernie

I have a lot of evidence and documents because I have a Xanadu folder on my computer with everything. Unfortunately, I gave my computer as collateral to the person I owe, so I can only use some of the evidence on my phone. Fred is asking me how much money I want to give him back his website because it contains all the information about him and who he claimed to be. He’s afraid I might reveal it.

Charlie

Charlie sends me a screenshot of a text message sent from Fred to Charlie:

“Your land, your house, your pharmacy your phone  your books, computer and your future revenue. You sided with my enemies and will legally lose everthing.”

March 28 Charlie sends me another screenshot of a text message from Fred to him:

“I have hired lawyers to take all your life’s assets. You have until 12noon Central time to take down internet slander and apologize on facebook.

“You have assisted in publicly attempting to lie and ruin my reputation.

“If you decide to lie about our good relationship my family and I will sue you. If you continue to slander my reputation you will be sued. You better take down the slander sites immediately.”

emails sent March 28

Bernie, as I told you long ago, I’m not here to smear Fred, but to tell the truth. I wanted to commit suicide because I’m worthless in my community because of him. I have all the testimonies, as well as witnesses who know my story with Fred well. There are even documents he sent me to show the leaders of my town, showing him that he was going to implement several projects here. Since I needed a job in the future, I was always obedient to him because I had no choice. I printed t-shirts, I bought food to feed 300 orphans twice a year in Xanadu’s name, and Fred congratulated me, telling me I was the best. He lied to my father, saying he was going to build his church because my father is a reverend pastor. I have a lot of evidence that proves everything. He told me to spend what I have to buy hectares of land he was going to finance in January, but so far he hasn’t done anything except deceive me. He was video conferencing with several people from my village using my phone, telling them he was going to finance it in January. Now everyone in my community is against me. If you talk about Fred or Xanadu, they might kill you. I deleted all my posts about Xanadu and burned the knitting (?) too. Right now, Fred is threatening to destroy me.

Charlie

Can you forward me actual messages showing that they were from Fred? Someone could say that you wrote these messages yourself.

Bernie

Hello Bernie, Fred spent all night threatening to kill me, saying he’s going to take everything I have spiritually, and that anyone I work with will hate me. He said he can’t help me with anything anymore and that I’ll be back to square one. For my part, I’d like to take my time and write at least 5 or 6 pages about my story with Fred, because right now I’m still saddened by what he keeps saying. He writes things and sometimes deletes them; luckily, I’m taking screenshots. Sometimes he calls me and insults me. He told me if I publish his website where all his information is, I’ll die and he’ll kill me spiritually.

Charlie

Also, on March 20, Charlie began sending me messages on WhatAapp in addition to emailing me.

His first message was: Good morning Bernie. I’m Charlie. I asked you for your WhatsApp number because that’s where I can easily send you several pieces of evidence and that’s where I always communicate.

Attached to Charlie’s message were several images, most of which were indecipherable, but two of which showed Charlie – one with a group of kids from his community who, I assume, were to be beneficiaries of the charitable foundation Charlie was going to create – using money from Fred Devlin’s Xanadu Foundation. The other photo was of Charlie meeting with women from his community. From one of his previous emails I surmise that he was trying to explain to them that he had been duped by Devlin.

Also attached to Charlie’s WhatsApp message was a message from “David Simkin,” the supposed CEO of the Xanadu Group of Companies. It’s particularly galling that within Devlin’s enormous delusion he actually would have gone so far as to create a fictitious character who became part of his story – and whose name was used to add a patina of respectability to what was utter nonsense.

Sequel to Charlie’s story: I eventually sent Charlie another $800 so that he could pay off the rest of the debt he had incurred by having t-shirts made with the charitable foundation logo on the front, along with food that he bought for 300 orphans in his community.

I’ve remained in touch with Charlie, who tells me how difficult it is for him to find work in Africa, even though he’s highly educated and speaks seven different languages. The immense toll that being strung along by Fred Devlin for years will never be ameliorated.

Coming next: I receive a surprise phone call from the man I’ve been calling Fred Devlin, who asks to meet with me. I end up confronting him over all the cons he’s been pulling.