1 How Ordinary Housewife however Was Running Secret ₤ 270k Benefits Scam
Vern Haywood edited this page 2025-06-20 23:15:38 +08:00


There is absolutely nothing from another location unusual 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 typical middle-aged mum who works relentlessly to care for her sick hubby.

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 drapes remained in fact a decade-long web of lies which saw Lloyd and Phillips pocket ₤ 270k in taxpayer cash.

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

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

While the couple managed to siphon off their ill-gotten gains for several years - neighbours have revealed to MailOnline the obvious clues that the couple were running a fraud.

Angela Lloyd defrauded the taxpayer of ₤ 170k over a period of 11-and-a-half years. Detectives revealed a web of lies including the creation of pseudonyms to declare benefits

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

Phillips envisioned in an Aid 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 occasion

Initially, neighbours on Birch Gardens were worried for the couple after Phillips was seen looking very frail as he would 'hobble' on his strolling 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 celebration for the late Queen's Diamond Jubilee.

Locals also informed of how there was 'constantly something dodgy' about Lloyd, and that she would never look people 'in the eye', however would boast about 'secret ₤ 60k caravan' they would leave to on the weekends.

Lloyd was sentenced to two years after Liverpool Crown Court discovered she fraudulently filched almost ₤ 170,000 in benefits over a decade, and also helped Phillips incorrectly declare benefits worth ₤ 100,000, as reported by the Liverpool Echo.

When neighbours saw them loading up one of their 2 automobiles previously today, they thought they were going off to remain at their secret caravan, just to discover they were going to jail.

One neighbour informed MailOnline of the couple: 'I believed they were dodgy as he made a real program of not having the ability to stroll whenever his carers were here.

'He was shuffling along and keeping his vehicles in the driveway before he took a very long time to get to his carer's vehicle on his strolling 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 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 state a lot to individuals.

'There was constantly something dodgy about her - she would not look individuals in the eye and bragged 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 claimed ₤ 100k in PIP, housing benefits, employment support allowance and council tax reductions that he was not eligible for. Neighbours told of how he would look 'frail' and 'hobble on a walking stick' in the existence of carers, however at other times was seen 'walking fine'

Following the on the peaceful suburban street, neighbours were entrusted concerns as to why the couple had actually been detained - and some declare Lloyd had later informed them it was down to dog breeding.

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

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

Olivia Beesley, prosecuting, described how the mother's elaborate fraud began when she incorrectly started declaring housing advantages for a caravan on Riverside Walk in Southport - which was discovered to be a 'fictitious address'.

She even made a phony tenancy contract for the 'entirely fictitious caravan', eventually swiping ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent residence.

Then in 2018, she began making fraudulent claims that her husband needed 'numerous everyday carers to take care of his requirements'. She reached using Phillips' sis Zoe's birth certificate to pose as his brother or sister and claim that she was his main carer.

She likewise lied that she was unable to work due to being a full-time carer, but was discovered 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 inventing 'false medical conditions' for her boy, declaring she had a carer called Joyce Bibby - a dead woman's identity. Nearly ₤ 10k in incorrect impairment living allowance overpayments were declared in relation to this.

She again used the deceased lady's name as being her social employee to claim ₤ 13,526.70 of PIP, stating 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 exposed, and would state they were going to stay 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', only to later on learn they were off to jail

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

It is not known whether this was the exact same 'fictitious caravan' which took place to have never existed, or an indeed a different, genuine caravan.

Leni Newton, 63, said: 'She told people that the cops raid was since somebody had actually told on her for reproducing border collie pups without a licence.

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

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

She added: 'I know they fulfilled as she was his carer. He was wed however Angela moved in. I thought she had actually resided in Southport.

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

'She was undoubtedly spying on them.'

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

'There were a lot of police came here.

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

Hand in Hand homecare agency verified to MailOnline that Lloyd had authentic recommendations, DBS checks and training certificates in the name of Wendy Lloyd.

A spokesperson stated: 'We sacked her right away when we found out the truth.

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

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

He is also stated to have 'overemphasized' his medical conditions and require for care, mentioning that he was not able to do anything for himself.

He declared himself 'unsuited for work' and failed to discuss his partner's wage - illegally taking ₤ 51k in work support allowance.

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

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

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

While Phillips had no previous convictions connecting to similar matters, nevertheless 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 two years after confessing 7 counts of scams by false representation, and Phillips was also seen wiping back tears as he was imprisoned for 20 months for scams by incorrect representation and 3 counts of dishonestly stopping working to divulge details to make a gain.
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Sentencing, Judge Simon Medland KC said: 'Over an 11-year period, 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 per year which you defrauded from the general public.

'For those who seek to defraud the general public of limited and important benefits 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 severe offense dedicated by each of you over an extended period of time.'