I used to tell a great many tales as a professional folk singer and later as a teacher. This one came from Amabel Williams-Ellis in 1960 who got it from Edwin Hartland in 1930.
This short story by W W Jacobs was first published in 1914. It lasts 27 minutes, so make yourself comfy with a nice cup of your favourite and listen.
You may like to know that £200 in 1914 would be £21,000 / $27,240 / €24,410 a year today.
A true story.