Ok, I might have been a bit hasty in starting this thread for which I apologise!
In the last 10 minutes it has just become irrelevant as to whether I think this woman is genuine or scamming me!
I agreed to phone her at 3pm UK time today as I did yesterday. Just before 3pm, I got dragged into a meeting (I'm at work), so I text her to let her know I couldn't call and why! What followed was a short text conversation that I should only be expecting to have once I'd been married for at least 10 years!! Needless to say, I think I'll pass! :-)