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

There is absolutely nothing from another location unusual about Angela Lloyd and Lee Phillips' semi-detached house on a quiet cul-de-sac in Merseyside.

There is nothing from another location unusual 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 typical middle-aged mum who works tirelessly to care for her ill spouse.


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


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


Lloyd, 58, wept 'Oh my god' as she was jailed this week over a string of untruths including utilizing a dead woman's identity, comprising 'phony' medical conditions for her child, and producing pseudonyms to work while declaring carers allowance.


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


While the couple managed to siphon off their ill-gotten gains for several years - neighbours have actually revealed to MailOnline the apparent 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 discovered a web of lies including the creation of pseudonyms to claim advantages


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


Phillips envisioned in an Aid 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 worried for the couple after Phillips was seen looking very frail as he would 'hobble' on his walking stick to fulfill his carers.


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


Locals also informed of how there was 'always something dodgy' about Lloyd, and that she would never ever look people '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 almost ₤ 170,000 in benefits over a decade, and also assisted Phillips incorrectly claim advantages worth ₤ 100,000, as reported by the Liverpool Echo.


When neighbours saw them leaving among their 2 cars previously today, they thought they were going off to remain at their secret caravan, just to discover they were going to jail.


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


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


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


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


'But after the authorities raid, they became more reserved and didn't say a lot to individuals.


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


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


Phillips had actually fraudulently declared ₤ 100k in PIP, housing advantages, work assistance allowance and council tax reductions 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 'walking great'


Following the authorities raid on the peaceful suburban street, neighbours were left with questions regarding why the couple had been arrested - and some allege Lloyd had later told them it was down to pet breeding.


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


With the help of Lloyd, Phillips was likewise found to have illegally claimed ₤ 100,980.71 through PIP, housing advantages, work assistance allowance and council tax decreases because 2018.


Olivia Beesley, prosecuting, detailed how the mom's intricate scam started when she wrongly started declaring housing advantages for a caravan on Riverside Walk in Southport - which was found to be a 'fictitious address'.


She even made a fake tenancy agreement for the 'totally fictitious caravan', eventually filching ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent home.


Then in 2018, she began making deceitful claims that her partner required 'several everyday carers to attend to his needs'. She went as far as utilizing Phillips' sibling Zoe's birth certificate to position as his brother or sister 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, but was found to have been working under an incorrect identity Wendy Lloyd at care company Hand in Hand Homecare, and under another pseudonym Angela Valentine at a Tesco.


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


She once again used the departed lady's name as being her social worker to claim ₤ 13,526.70 of PIP, mentioning that she required carers due to 'health conditions'.


Neighbours told of how Lloyd would boast about a '₤ 60k caravan' in a secret area that she never revealed, and would state they were going to remain at the caravan from Thursday to Sunday


One neighbour stated they saw the couple leaving on of their vehicles earlier this week and assumed they were going off to their 'caravan', only to later on discover they were off to prison


When MailOnline went to Phillips' address in Birch Gardens which he shared with Lloyd, neighbours exposed 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 a certainly a separate, genuine caravan.


Leni Newton, 63, stated: 'She told people that the police raid was due to the fact that somebody had actually told on her for breeding border collie puppies without a licence.


'I'm surprised they've been imprisoned. I believed they were all above board.


'I just saw them a few days ago leaving travel suitcases - I thought they were just going to their caravan.'


She included: 'I understand they met as she was his carer. He was wed but Angela moved in. I thought she had lived in Southport.


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


'She was certainly spying on them.'


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


'There were a great deal of cops came here.


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


Hand in Hand homecare company validated to MailOnline that Lloyd had authentic referrals, DBS checks and training certificates in the name of Wendy Lloyd.


A representative said: 'We sacked her instantly when we found out the fact.


'All her DBS and recommendations took a look at. The police stated we had done nothing incorrect.'


The court heard how Phillips also defrauded money from the general public purse by failing to disclose the fact that Lloyd had moved into his home in 2018 - permitting him to continue claiming more than ₤ 13k in housing benefits and ₤ 2.2 k in council tax decreases.


He is likewise said to have actually 'overemphasized' his medical conditions and require for care, specifying that he was unable to do anything for himself.


He stated himself 'unfit for work' and failed to discuss his spouse's wage - illegally swiping ₤ 51k in employment support allowance.


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


Phillips' counsel Jim Smith argued he has a 'intricate recent history' of psychological health and disabilities consisting of neurological disorder, stress and anxiety and anxiety.


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


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


Lloyd was imprisoned for 2 years after confessing seven counts of scams by false representation, and Phillips was likewise seen cleaning back tears as he was jailed for 20 months for fraud by false representation and 3 counts of dishonestly stopping working to reveal information to make a gain.


Sentencing, Judge Simon Medland KC stated: 'Over an 11-year period, or more than that, you, Angela Lloyd, managed to defraud the public of simply except ₤ 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 per year which you defrauded from the general public.


'For those who seek to defraud the general public of limited and valuable advantages which need to be directed to those who require them, not those who simply want to have them for factors of individual greed, that is a major offense devoted by each of you over an extended period of time.'


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