How Ordinary Housewife however Was Running Secret ₤ 270k Benefits Scam

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There is absolutely nothing remotely out of the normal about Angela Lloyd and Lee Phillips' semi-detached house on a peaceful cul-de-sac in Merseyside.

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


And to the typical eye, Lloyd appears like a regular middle-aged mum who works tirelessly to care for her ill other half.


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


Hiding behind the family's net curtains was in fact a decade-long web of lies which saw Lloyd and Phillips pocket ₤ 270k in taxpayer cash.


Lloyd, 58, sobbed 'Oh my god' as she was imprisoned today over a string of untruths including utilizing a dead female's identity, making up 'bogus' medical conditions for her son, and developing pseudonyms to work while claiming carers allowance.


Husband Phillips, 54, was also jailed after the pair's massive benefits scams was lastly exposed.


While the couple managed to siphon off their ill-gotten gains for several years - neighbours have exposed to MailOnline the obvious clues that the couple were running a scam.


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 scammer next door: The assuming semi-detached house Lloyd had actually moved into with Phillips. Phillips had actually failed to divulge this to the council when she moved in in 2018


Phillips pictured in a Help for Heroes hoodie during a street celebration held for the late Queen's Diamond Jubilee. He is said to have played a DJ set at the occasion


Initially, neighbours on Birch Gardens were worried for the couple after Phillips was seen looking really frail as he would 'hobble' on his strolling adhere to meet his carers.


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


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


Lloyd was sentenced to 2 years after Liverpool Crown Court found she fraudulently swiped nearly ₤ 170,000 in advantages over a decade, and likewise helped Phillips falsely claim advantages worth ₤ 100,000, as reported by the Liverpool Echo.


When neighbours saw them loading up one of their 2 vehicles previously this week, they thought they were going off to remain at their secret caravan, just to discover they were going to prison.


One neighbour informed MailOnline of the couple: 'I thought they were dodgy as he made a real program of not having the ability to walk whenever his carers were here.


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


'But the next thing I saw him cleaning his BMW in the driveway - he seemed 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 authorities raid, they ended up being more reserved and didn't say a lot to people.


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


'They would take her teenage son and go away on a Thursday night and not get home until Sunday.'


Phillips had fraudulently declared ₤ 100k in PIP, housing advantages, employment assistance allowance and council tax decreases that he was not qualified for. Neighbours told of how he would look 'frail' and 'hobble on a walking stick' in the presence of carers, but at other times was seen 'strolling fine'


Following the authorities raid on the peaceful rural street, neighbours were entrusted concerns regarding why the couple had actually been apprehended - and some allege Lloyd had later told them it was down to pet dog breeding.


But these questions were finally put to rest on Tuesday when the court heard how Lloyd had actually claimed an overall of ₤ 169,394.15 which she was not gotten approved for in housing advantages, carers allowance and individual self-reliance payments over the course of 11-and-a-half years.


With the help of Lloyd, Phillips was also discovered to have unlawfully claimed ₤ 100,980.71 through PIP, housing advantages, work support allowance and council tax reductions because 2018.


Olivia Beesley, prosecuting, laid out how the mother's sophisticated fraud started when she incorrectly began 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 stealing ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent house.


Then in 2018, she began making deceptive claims that her spouse needed 'several day-to-day carers to attend to his needs'. She went as far as using Phillips' sibling Zoe's birth certificate to position as his sibling and claim that she was his main carer.


She likewise lied that she was unable to work due to being a full-time carer, however was discovered to have actually been working under a false identity Wendy Lloyd at care business Hand in Hand Homecare, and under another pseudonym Angela Valentine at a Tesco.


In 2022, she started inventing 'false medical conditions' for her boy, claiming she had a carer called Joyce Bibby - a dead woman's identity. Nearly ₤ 10k in incorrect disability living allowance overpayments were declared in relation to this.


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


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


One neighbour stated they saw the couple packing up on of their cars earlier this week and assumed they were going off to their 'caravan', just to later learn they were off to prison


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


It is not known whether this was the very same 'fictitious caravan' which took place to have never ever existed, or an undoubtedly a different, real caravan.


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


'I'm stunned they've been jailed. I thought they were all above board.


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


She included: 'I understand they satisfied as she was his carer. He was married however Angela relocated. I believed she had actually lived in Southport.


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


'She was undoubtedly spying on them.'


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


'There were a lot of police came here.


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


Hand in Hand homecare firm verified to MailOnline that Lloyd had bona fide references, DBS checks and training certificates in the name of Wendy Lloyd.


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


'All her DBS and referrals checked out. The police stated we had actually not done anything incorrect.'


The court heard how Phillips also tricked money from the public purse by stopping working to disclose the reality that Lloyd had actually moved into his home in 2018 - enabling him to continue claiming more than ₤ 13k in housing advantages and ₤ 2.2 k in council tax reductions.


He is also stated to have 'overemphasized' his medical conditions and need for care, stating that he was unable to do anything for himself.


He stated himself 'unfit for work' and stopped working to mention his wife's wage - illegally taking ₤ 51k in work assistance allowance.


However, Phillips alleged that Lloyd had actually completed the kind and had simply 'asked him to sign it'.


Phillips' counsel Jim Smith argued he has a 'complex recent history' of psychological health and impairments including neurological condition, stress and anxiety and anxiety.


He was likewise stated to have a pacemaker fitted and appeared in court in a wheelchair.


While Phillips had no previous convictions relating to similar matters, nevertheless Lloyd's criminal record shows previous entries for theft and dishonesty offences dating as far back as the 1980s - though her last appearance remained in 2012.


Lloyd was jailed for two years after admitting 7 counts of fraud by incorrect representation, and Phillips was likewise seen cleaning back tears as he was imprisoned for 20 months for fraud by false representation and 3 counts of dishonestly stopping working to divulge details to make a gain.


Sentencing, Judge Simon Medland KC said: 'Over an 11-year duration, or more than that, you, Angela Lloyd, managed to defraud the general public of simply brief of ₤ 170,000 and you, Lee Phillips, of about ₤ 100,000. In your case, Mr Phillips, over a five-year duration, you had about ₤ 20,000 per year which you defrauded from the general public.


'For those who seek to defraud the general public of limited and important advantages which require to be directed to those who need them, not those who simply want to have them for factors of personal greed, that is a major offence committed by each of you over a long period of time.'

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