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

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There is nothing remotely out of the ordinary about Angela Lloyd and Lee Phillips' semi-detached home on a quiet cul-de-sac in Merseyside.

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


And to the typical eye, Lloyd looks like a typical middle-aged mum who works relentlessly to look after her sick spouse.


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


Hiding behind the family's net curtains remained in truth 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 this week over a string of untruths including utilizing a dead female's identity, comprising '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 advantages scams was lastly exposed.


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


Angela Lloyd defrauded the taxpayer of ₤ 170k over a period of 11-and-a-half years. Detectives discovered a web of lies consisting of the production of pseudonyms to claim advantages


The scammer next door: The presuming semi-detached house Lloyd had moved into with Phillips. Phillips had 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 said to have actually played a DJ set at the event


Initially, neighbours on Birch Gardens were stressed for the couple after Phillips was seen looking really frail as he would 'hobble' on his walking adhere to fulfill 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 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 stole almost ₤ 170,000 in advantages over a decade, and likewise helped Phillips wrongly claim advantages worth ₤ 100,000, as reported by the Liverpool Echo.


When neighbours saw them leaving among their 2 automobiles previously today, they thought 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 thought they were dodgy as he made a genuine show of not being able to walk whenever his carers were here.


'He was shuffling along and holding onto his cars 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 cleaning his BMW in the driveway - he seemed to be walking 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 police raid, they ended up being more reserved and didn't say a lot to individuals.


'There was constantly something dodgy about her - she wouldn't look individuals in the eye and boasted about going to her ₤ 60,000 caravan however would never 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 actually fraudulently declared ₤ 100k in PIP, housing advantages, employment assistance 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 existence of carers, however at other times was seen 'strolling fine'


Following the police raid on the quiet suburban street, neighbours were left with concerns as to why the couple had been arrested - and some declare Lloyd had later told 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 received in housing benefits, carers allowance and personal independence payments throughout 11-and-a-half years.


With the assistance of Lloyd, Phillips was also found to have unlawfully declared ₤ 100,980.71 through PIP, housing advantages, work assistance allowance and council tax decreases since 2018.


Olivia Beesley, prosecuting, detailed how the mom's sophisticated rip-off began when she incorrectly 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 contract for the 'totally fictitious caravan', ultimately taking ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent residence.


Then in 2018, she began making deceitful claims that her spouse required 'numerous day-to-day carers to take care of his requirements'. She reached utilizing Phillips' sis Zoe's birth certificate to posture as his brother or sister and claim that she was his primary carer.


She likewise lied that she was not able to work due to being a full-time carer, but was found to have actually been working under an incorrect identity Wendy Lloyd at care business Hand in Hand Homecare, and under another pseudonym Angela Valentine at a Tesco.


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


She once again used the departed 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 location that she never exposed, and would say they were going to remain at the caravan from Thursday to Sunday


One neighbour said they saw the couple packing up on of their vehicles previously today and assumed they were going off to their 'caravan', only to later on learn they were off to prison


When MailOnline checked out Phillips' address in Birch Gardens which he shared with Lloyd, neighbours exposed 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 never existed, or an undoubtedly a separate, genuine caravan.


Leni Newton, 63, said: 'She informed individuals that the authorities raid was because somebody had informed on her for breeding border collie pups without a licence.


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


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


She added: 'I understand they satisfied as she was his carer. He was wed however Angela relocated. I thought she had lived in Southport.


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


'She was obviously 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 lot of cops came here.


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


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


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


'All her DBS and references checked out. The authorities stated we had actually not done anything wrong.'


The court heard how Phillips likewise deceived money from the public purse by failing to reveal the truth that Lloyd had actually moved into his home in 2018 - enabling him to continue claiming more than ₤ 13k in housing benefits and ₤ 2.2 k in council tax decreases.


He is also said to have 'exaggerated' his medical conditions and require for care, stating that he was not able to do anything for himself.


He stated himself 'unfit for work' and stopped working to mention his partner's wage - unlawfully pocketing ₤ 51k in employment support allowance.


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


Phillips' counsel Jim Smith argued he has a 'complicated recent history' of mental health and disabilities including neurological condition, anxiety and depression.


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


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


Lloyd was imprisoned for two years after confessing 7 counts of fraud by false representation, and Phillips was also seen cleaning back tears as he was jailed for 20 months for scams by incorrect representation and 3 counts of dishonestly stopping working to divulge 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 public of just 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 per year which you defrauded from the general public.


'For those who seek to defraud the public of scarce and important benefits which need to be directed to those who require them, not those who just wish to have them for reasons of individual greed, that is a severe offense dedicated by each of you over an extended period of time.'

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