1 How Ordinary Housewife however Was Running Secret ₤ 270k Benefits Scam
Juliet Martens edited this page 2025-06-16 04:30:47 +00:00


There is nothing from another location out of the regular about Angela Lloyd and Lee Phillips' semi-detached home on a peaceful cul-de-sac in Merseyside.
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And to the typical eye, Lloyd appears like a regular middle-aged mum who works relentlessly to look after her ill hubby.

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

Hiding behind the family's net curtains was in truth 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 imprisoned this week over a string of untruths consisting of utilizing a dead woman's identity, comprising 'bogus' medical conditions for her child, and developing pseudonyms to work while declaring carers allowance.

Husband Phillips, 54, was also jailed after the pair's massive benefits scams was finally 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 production of pseudonyms to claim benefits

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

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

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

But they were then left puzzled when he was at other times spotted 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, which she would never look people 'in the eye', but would boast about 'secret ₤ 60k caravan' they would escape to on the weekends.

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

When neighbours saw them packing up one of their two automobiles previously today, they believed 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 show of not having the ability 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 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 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 cops raid, they ended up being more reserved and didn't state a lot to individuals.

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

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

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

Following the authorities raid secret rural street, neighbours were left with concerns as to why the couple had been arrested - and some allege Lloyd had later informed them it was down to dog breeding.

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

With the aid of Lloyd, Phillips was also found to have actually illegally claimed ₤ 100,980.71 through PIP, housing benefits, work assistance allowance and council tax reductions considering that 2018.

Olivia Beesley, prosecuting, laid out how the mom's elaborate scam started when she incorrectly began claiming housing advantages 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', eventually filching ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent residence.

Then in 2018, she started making deceitful claims that her hubby required 'numerous day-to-day carers to address his needs'. She went as far as utilizing Phillips' sis Zoe's birth certificate to impersonate 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 discovered to have actually 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 kid, claiming she had a carer called Joyce Bibby - a dead lady's identity. Nearly ₤ 10k in incorrect special needs living allowance overpayments were claimed in relation to this.

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

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

One neighbour said they saw the couple leaving on of their automobiles previously today and assumed they were going off to their 'caravan', just to later learn they were off to jail

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

It is not understood whether this was the very same 'fictitious caravan' which took place to have actually never ever existed, or an indeed a separate, real caravan.

Leni Newton, 63, stated: 'She told people that the authorities raid was since someone had informed on her for reproducing border collie pups without a licence.

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

'I only saw them a couple of days ago leaving travel suitcases - I believed they were just going to their caravan.'

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

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

'She was certainly spying on them.'

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

'There were a great deal of police came here.

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

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

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

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

The court heard how Phillips also swindled cash from the public purse by failing to disclose the fact that Lloyd had actually moved into his home in 2018 - allowing him to continue claiming more than ₤ 13k in housing advantages and ₤ 2.2 k in council tax reductions.

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

He stated himself for work' and stopped working to discuss his better half's wage - unlawfully swiping ₤ 51k in employment assistance allowance.

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

Phillips' counsel Jim Smith argued he has a 'intricate current history' of mental health and impairments consisting of neurological condition, stress and anxiety and depression.

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, however Lloyd's criminal record reveals previous entries for theft and dishonesty offenses dating as far back as the 1980s - though her last look was in 2012.

Lloyd was imprisoned for two years after admitting 7 counts of scams by incorrect representation, and Phillips was likewise seen cleaning back tears as he was jailed for 20 months for fraud by incorrect representation and 3 counts of dishonestly stopping working to disclose information 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 just 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 annually which you defrauded from the public.

'For those who seek to defraud the 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 individual greed, that is a major offence devoted by each of you over an extended period of time.'
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