1 How Ordinary Housewife but Was Running Secret ₤ 270k Benefits Scam
savannahmontef edited this page 2025-06-20 21:03:40 +08:00


There is absolutely nothing remotely unusual about Angela Lloyd and Lee Phillips' semi-detached house on a peaceful cul-de-sac in Merseyside.
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And to the common eye, Lloyd looks like a typical middle-aged mum who works tirelessly to care for her ill partner.

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

Hiding behind the household's net drapes 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 using a dead lady's identity, comprising 'fake' medical conditions for her child, and developing pseudonyms to work while claiming carers allowance.

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

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

Angela Lloyd defrauded the taxpayer of ₤ 170k over a period of 11-and-a-half years. Detectives uncovered a web of lies consisting of 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 moved in in 2018

Phillips visualized in a Help 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 event

Initially, neighbours on Birch Gardens were worried for the couple after Phillips was seen looking very frail as he would 'hobble' on his strolling stay with satisfy his carers.

But they were then left puzzled when he was at other times found cleaning 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 ever look people 'in the eye', but 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 nearly ₤ 170,000 in advantages over a decade, and also assisted Phillips wrongly declare advantages worth ₤ 100,000, as reported by the Liverpool Echo.

When neighbours saw them leaving among their two vehicles earlier today, they thought they were going off to remain at their secret caravan, just to discover they were going to prison.

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

'He was shuffling along and holding onto 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 fine then.

'And he did a DJ set for the Queen's Jubilee celebration 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 kid and go away on a Thursday night and not come home until Sunday.'

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

Following the authorities raid secret suburban street, neighbours were entrusted concerns as to why the couple had been jailed - and some declare Lloyd had later informed them it was down to canine breeding.

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

With the assistance of Lloyd, Phillips was likewise discovered to have illegally claimed ₤ 100,980.71 through PIP, housing benefits, employment support allowance and council tax reductions since 2018.

Olivia Beesley, prosecuting, laid out how the mother's intricate scam started when she incorrectly began claiming housing benefits for a caravan on Riverside Walk in Southport - which was discovered to be a 'fictitious address'.

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

Then in 2018, she started making fraudulent claims that her husband required 'numerous daily carers to participate in to his needs'. She went as far as using Phillips' sis Zoe's birth certificate to impersonate his sibling and claim that she was his main carer.

She likewise lied that she was not able to work due to being a full-time carer, however was found 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 began creating 'incorrect medical conditions' for her son, declaring she had a carer called Joyce Bibby - a dead woman's identity. Nearly ₤ 10k in false special needs living allowance overpayments were declared in relation to this.

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

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

One neighbour said they saw the couple leaving on of their automobiles earlier this week and assumed they were going off to their 'caravan', just to later on discover out they were off to jail

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

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

Leni Newton, 63, said: 'She told individuals that the cops raid was because somebody had informed on her for reproducing border collie young puppies 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 luggage - I thought they were simply going to their caravan.'

She added: 'I understand they met as she was his carer. He was married but Angela relocated. I thought she had actually resided 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 appeared to be living a double life.

'There were a lot of cops came here.

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

Hand in Hand homecare agency validated to MailOnline that Lloyd had bona fide 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 referrals had a look at. The authorities said we had actually not done anything wrong.'

The court heard how Phillips likewise duped money from the general public bag by failing to disclose the fact that Lloyd had actually moved into his home in 2018 - permitting him to continue declaring more than ₤ 13k in housing advantages and ₤ 2.2 k in council tax reductions.

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

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

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

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

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

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

Lloyd was jailed for 2 years after admitting 7 counts of fraud by false representation, and Phillips was likewise seen wiping back tears as he was jailed for 20 months for fraud by false representation and 3 counts of dishonestly stopping working to reveal info 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, handled 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 duration, you had about ₤ 20,000 each 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 serious offense dedicated by each of you over an extended period of time.'