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"Lorna" is probably "Sarah." Or some combination thereof. You will have to pay more money to show "good faith" to the bank, or a similar scam. Please walk away from this. Lesson learned. Beware of...

And how much money are you to get -- cash value? (You do realize this is part of the scam don't you?)

What were you told to do to collect that money?

She wouldn't need that much. There is no Sarah Nyrakoh. It's part of a well-known romance scam.

So, someone had ID with that name on it. You could have been talking with all sorts of people during those three years. They have scripts for future conversations and printouts from past...

Money gram isn't fussy. Did you ever Skype or video chat?

It's a very clever scam. There is no Sarah Nyrakoh.

Western Union?

There is no Sarah Nyrakoh. She is a made-up person, a scam.

http://ghana.usembassy.gov/romance_scam.html

How much total?

Romance? Money requests?

Three YEARS and you don't know where she lives?

Romance? Has she ever asked you for financial help?

She's in Ghana?

Someone you met online, on social media?