"He said 'What do you think of the pension, Ernie?'," Mr Williams told BBC West Investigations.
Fellow golf pro Stewart Smith worked with Billy at a course in London and remembers his friend as a natural comic with a zest for life."He was a very funny guy. Great sense of humour, great sense of fun," he says.
"He had moved to Richmond Park, so I went across and worked with Billy. Imagine living in London in the mid-80s when you're mid-20s, both of you."We had some great times."Back in Mull, family friends have put a memorial bench on the course at Tobermory, where they say Billy played every day after school and every weekend from the age of 12. They remember him as "some guy".
Family friend Olive Brown says: "Every December I do have a wee sad moment, thinking he's not here. All that potential, enthusiasm and ability got caught short."Colyn and other members of Olive Gordon's family visited Lockerbie in the days after the disaster. It was a shocking scene.
"I remember the crater, this huge hole, and these little bits all over the place. It just had this smell. My God, my sister was found here. Somewhere here," he says.
In the weeks that followed, members of the local community came together to wash, press and package up the belongings of those who had died on the plane.One of the few treatments that has given her relief is medical Botox - having dozens of injections in her head, face and neck. It's still not clear how Botox works for migraine, but it's believed to block powerful pain signals being released from the nerves.
A migraine - which can last days - is very different to a headache, which tend to be short-lived and can be treated more easily with painkillers like paracetamol. Migraines can cause head pain, neck pain, numbness, blurred vision, and even affect speech and movement.Skulls dating back to 3,000 BC show ancient Egyptians even had trouble with migraines - but despite that long history, their exact cause is still unknown.
It's thought pain receptors in the blood vessels and nerve tissue around the brain misfire - sending incorrect signals that something is wrong. But we don't know why some people have an oversensitive nervous system - and why it reacts to some things and not others.Experts say there's not enough research into why only some people - around one in seven - are affected, or what can actually help.