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

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

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


And to the typical eye, Lloyd appears like a normal middle-aged mum who works relentlessly to care for her sick husband.


So it was to the large shock of neighbours when cops 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 cash.


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


Husband Phillips, 54, was likewise imprisoned after the pair's massive advantages fraud was lastly exposed.


While the couple handled 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 uncovered a web of lies consisting of the development of pseudonyms to declare benefits


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


Phillips envisioned in an Assistance for Heroes hoodie throughout a street celebration held for the late Queen's Diamond Jubilee. He is stated to have actually played a DJ set at the occasion


Initially, neighbours on Birch Gardens were fretted for the couple after Phillips was seen looking very frail as he would 'hobble' on his walking adhere to meet 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 also informed of how there was 'always something dodgy' about Lloyd, which she would never look people 'in the eye', however would boast about 'secret ₤ 60k caravan' they would get away to on the weekends.


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


When neighbours saw them leaving one of their two automobiles previously this week, they believed they were going off to remain at their secret caravan, only to find they were going to prison.


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


'He was shuffling along and keeping his cars and trucks in the driveway before he took a very long time to get to his carer's car on his strolling 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 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 people.


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


'They would take her teenage kid and disappear on a Thursday night and not get home up until Sunday.'


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


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


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


With the help of Lloyd, Phillips was likewise found to have unlawfully claimed ₤ 100,980.71 through PIP, housing advantages, employment support allowance and council tax decreases since 2018.


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


She even made a phony occupancy agreement for the 'totally fictitious caravan', ultimately swiping ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent house.


Then in 2018, she started making fraudulent claims that her husband needed 'several everyday carers to take care of his requirements'. She reached using Phillips' sister Zoe's birth certificate to posture as his sibling and claim that she was his primary carer.


She also lied that she was unable 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 began creating 'incorrect medical conditions' for her kid, declaring she had actually a carer called Joyce Bibby - a dead woman's identity. Nearly ₤ 10k in incorrect special needs living allowance overpayments were declared in relation to this.


She once again used the deceased female's name as being her social worker to claim ₤ 13,526.70 of PIP, stating 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 packing up on of their vehicles earlier today and presumed they were going off to their 'caravan', only to later find out they were off to jail


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


It is not known whether this was the same 'fictitious caravan' which transpired to have never ever existed, or a certainly a different, genuine caravan.


Leni Newton, 63, stated: 'She told individuals that the police raid was because somebody had told on her for reproducing border collie young puppies without a licence.


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


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


She added: 'I know they satisfied as she was his carer. He was married however Angela moved in. I thought she had actually lived in Southport.


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


'She was undoubtedly spying on them.'


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


'There were a great deal of authorities came here.


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


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


A spokesperson said: 'We sacked her right away when we found out the fact.


'All her DBS and referrals took a look at. The police stated we had actually not done anything wrong.'


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


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


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


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


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


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


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


Lloyd was imprisoned for 2 years after admitting seven counts of scams by incorrect representation, and Phillips was also seen cleaning back tears as he was jailed for 20 months for fraud by false representation and three counts of dishonestly stopping working to reveal 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 simply short 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 annually which you defrauded from the general public.


'For those who look for to defraud the general public of scarce and important advantages which require to be directed to those who require them, not those who merely wish to have them for reasons of personal greed, that is a major offense devoted by each of you over a long period of time.'

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