How Ordinary Housewife however Was Running Secret ₤ 270k Benefits Scam
Deena Tall edited this page 5 days ago

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There is nothing remotely uncommon about Angela Lloyd and Lee Phillips' semi-detached home on a peaceful cul-de-sac in Merseyside.

And to the common eye, Lloyd appears like a typical middle-aged mum who works relentlessly to take care of her ill partner.

So it was to the large shock of neighbours when police came down on their driveway to raid the couple's St Helens home.

Hiding behind the household's net curtains remained in truth a decade-long web of lies which saw Lloyd and Phillips pocket ₤ 270k in taxpayer money.

Lloyd, 58, cried 'Oh my god' as she was jailed today over a string of untruths including using a dead lady's identity, making up 'fake' medical conditions for her child, and producing pseudonyms to work while declaring carers allowance.

Husband Phillips, 54, was also jailed after the set's enormous advantages fraud was finally exposed.

While the couple handled to siphon off their ill-gotten gains for several years - neighbours have revealed to MailOnline the obvious hints that the couple were running a fraud.

Angela Lloyd defrauded the taxpayer of ₤ 170k over a duration of 11-and-a-half years. Detectives revealed a web of lies consisting of the development of pseudonyms to declare benefits

The fraudster next door: The assuming semi-detached home Lloyd had moved into with Phillips. Phillips had stopped working to reveal this to the council when she relocated in 2018

Phillips envisioned in a Help for Heroes hoodie throughout a street party held for the late Queen's Diamond Jubilee. He is stated to have played a DJ set at the event

Initially, neighbours on Birch Gardens were stressed for the couple after Phillips was seen looking very frail as he would 'hobble' on his strolling stick to fulfill his carers.

But they were then left puzzled when he was at other times found washing his BMW, driving, and even playing a DJ set for their street party for the late Queen's Diamond Jubilee.

Locals likewise informed of how there was 'constantly something dodgy' about Lloyd, and that she would never look individuals 'in the eye', however would boast about 'secret ₤ 60k caravan' they would escape to on the weekends.

Lloyd was sentenced to two years after Liverpool Crown Court found she fraudulently stole nearly ₤ 170,000 in benefits over a decade, and likewise helped Phillips incorrectly claim advantages worth ₤ 100,000, as reported by the Liverpool Echo.

When neighbours saw them loading up one of their two automobiles earlier today, they thought they were going off to remain at their secret caravan, just to find they were going to prison.

One neighbour informed MailOnline of the couple: 'I believed they were dodgy as he made a real program of not being able to stroll whenever his carers were here.

'He was shuffling along and holding onto his cars in the driveway before he took a very long time to get to his carer's cars and truck on his walking stick.

'But the next thing I saw him washing his BMW in the driveway - he appeared to be strolling fine then.

'And he did a DJ set for the Queen's Jubilee party back in 2022. He had all the speakers out and everything.

'But after the police raid, they ended up being more reserved and didn't state a lot to individuals.

'There was always something dodgy about her - she wouldn't look individuals in the eye and boasted about going to her ₤ 60,000 caravan however would never ever say where it was.

'They would take her teenage boy and disappear on a Thursday night and not get back till Sunday.'

Phillips had fraudulently declared ₤ 100k in PIP, housing benefits, employment support allowance and council tax decreases that he was not eligible for. Neighbours informed of how he would look 'frail' and 'hobble on a walking stick' in the existence of carers, but at other times was seen 'walking fine'

Following the police raid secret rural street, neighbours were entrusted to questions as to why the couple had been arrested - and some allege Lloyd had later told them it was down to dog breeding.

But these concerns were lastly put to rest on Tuesday when the court heard how Lloyd had actually declared an overall of ₤ 169,394.15 which she was not received in housing advantages, carers allowance and individual self-reliance payments throughout 11-and-a-half years.

With the aid of Lloyd, Phillips was also found to have illegally declared ₤ 100,980.71 through PIP, housing benefits, employment support allowance and council tax decreases considering that 2018.

Olivia Beesley, prosecuting, outlined how the mom's elaborate rip-off began when she falsely started claiming housing benefits for a caravan on Riverside Walk in Southport - which was found to be a 'fictitious address'.

She even made a phony tenancy arrangement for the 'completely fictitious caravan', ultimately pocketing ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent residence.

Then in 2018, she started making deceitful claims that her partner needed 'numerous everyday carers to attend to his needs'. She went as far as using Phillips' sibling Zoe's birth certificate to impersonate his sibling and claim that she was his primary carer.

She also lied that she was not able to work due to being a full-time carer, however was discovered to have been working under a false identity Wendy Lloyd at care company Hand in Hand Homecare, and under another pseudonym Angela Valentine at a Tesco.

In 2022, she started developing 'incorrect medical conditions' for her boy, declaring she had actually a carer called Joyce Bibby - a dead woman's identity. Nearly ₤ 10k in false special needs living allowance overpayments were claimed in relation to this.

She once again utilized the deceased woman's name as being her social employee to claim ₤ 13,526.70 of PIP, mentioning that she required carers due to 'health conditions'.

Neighbours informed of how Lloyd would boast about a '₤ 60k caravan' in a secret location that she never ever exposed, and would say they were going to remain at the caravan from Thursday to Sunday

One neighbour stated they saw the couple loading up on of their cars earlier today and assumed they were going off to their 'caravan', only to later on discover they were off to prison

When MailOnline visited Phillips' address in Birch Gardens which he showed Lloyd, neighbours revealed how the couple and her child would apparently go off to a caravan on the weekends.

It is not understood whether this was the same 'fictitious caravan' which transpired to have actually never existed, or an undoubtedly a separate, real caravan.

Leni Newton, 63, said: 'She told people that the authorities raid was since somebody had told on her for breeding border collie young puppies without a licence.

'I'm surprised they have actually been jailed. I believed they were all above board.

'I only saw them a few days ago loading up luggage - I believed they were just going to their caravan.'

She added: 'I know they fulfilled as she was his carer. He was wed but Angela moved in. I thought she had resided in Southport.

'I did see his ex-wife parked up in the street seeing his home when they split.

'She was certainly spying on them.'

Her partner David Manchester, 70, stated: 'It's a big surprise they seemed to be living a double life.

'There were a lot of authorities came here.

'He was at the street celebration for the Queen but other times he did appear extremely frail.'

Hand in Hand homecare company confirmed to MailOnline that Lloyd had bona fide recommendations, DBS checks and training certificates in the name of Wendy Lloyd.

A representative stated: 'We sacked her right away when we discovered out the fact.

'All her DBS and recommendations had a look at. The cops stated we had not done anything incorrect.'

The court heard how Phillips also duped cash from the public handbag by stopping working to disclose the truth that Lloyd had moved into his home in 2018 - allowing him to continue claiming more than ₤ 13k in housing benefits and ₤ 2.2 k in council tax reductions.

He is likewise said to have 'overemphasized' his medical conditions and need for care, specifying that he was not able to do anything for himself.

He declared himself 'unfit for work' and failed to mention his better half's wage - illegally taking ₤ 51k in employment assistance allowance.

However, Phillips declared that Lloyd had finished the type and had simply 'asked him to sign it'.

Phillips' counsel Jim Smith argued he has a 'complicated recent of mental health and disabilities consisting of neurological disorder, stress and anxiety and depression.

He was also said to have actually a pacemaker fitted and appeared in court in a wheelchair.

While Phillips had no previous convictions associating with comparable matters, however Lloyd's criminal record shows previous entries for theft and dishonesty offences dating as far back as the 1980s - though her last appearance was in 2012.

Lloyd was imprisoned for two years after confessing 7 counts of scams by false representation, and Phillips was likewise seen wiping back tears as he was imprisoned for 20 months for scams by false representation and 3 counts of dishonestly failing to divulge details to make a gain.
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Sentencing, Judge Simon Medland KC stated: 'Over an 11-year duration, or more than that, you, Angela Lloyd, managed to defraud the public of just brief of ₤ 170,000 and you, Lee Phillips, of about ₤ 100,000. In your case, Mr Phillips, over a five-year period, you had about ₤ 20,000 annually which you defrauded from the public.

'For those who look for to defraud the public of limited and important benefits which need to be directed to those who need them, not those who merely want to have them for factors of individual greed, that is a major offence committed by each of you over a long duration of time.'