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

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

There is absolutely nothing remotely out of the normal 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 regular middle-aged mum who works tirelessly to look after her ill husband.


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


Hiding behind the household's net curtains 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 jailed this week over a string of untruths consisting of utilizing a dead female's identity, making up 'bogus' medical conditions for her son, and creating pseudonyms to work while claiming carers allowance.


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


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


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


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


Phillips visualized in an Aid for Heroes hoodie during a street party held for the late Queen's Diamond Jubilee. He is said to have played a DJ set at the event


Initially, neighbours on Birch Gardens were fretted for the couple after Phillips was seen looking very frail as he would 'hobble' on his walking stay with 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 likewise 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 two years after Liverpool Crown Court found she fraudulently filched nearly ₤ 170,000 in benefits over a years, and likewise helped Phillips falsely claim benefits worth ₤ 100,000, as reported by the Liverpool Echo.


When neighbours saw them packing up among their two vehicles previously today, they believed they were going off to remain at their secret caravan, only to find they were going to jail.


One neighbour told MailOnline of the couple: 'I believed they were dodgy as he made a genuine 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 long time to get to his carer's automobile on his strolling 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 police 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 bragged about going to her ₤ 60,000 caravan but would never ever state where it was.


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


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


Following the cops raid secret rural street, neighbours were left with concerns regarding why the couple had been jailed - and some declare Lloyd had later told them it was down to pet dog breeding.


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


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


Olivia Beesley, prosecuting, detailed how the mother's fancy scam started when she falsely 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 contract for the 'totally fictitious caravan', eventually taking ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent home.


Then in 2018, she started making deceitful claims that her partner required 'several everyday carers to take care of his needs'. She went as far as using Phillips' sis Zoe's birth certificate to posture as his brother or sister and claim that she was his main carer.


She also 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 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 female's identity. Nearly ₤ 10k in incorrect disability living allowance overpayments were claimed in relation to this.


She once again used the deceased woman's name as being her social employee to claim ₤ 13,526.70 of PIP, mentioning 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 exposed, and would say they were going to remain at the caravan from Thursday to Sunday


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


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


It is not understood whether this was the very same 'fictitious caravan' which transpired to have never existed, or an undoubtedly a separate, real caravan.


Leni Newton, 63, stated: 'She told people that the police raid was due to the fact that someone had told on her for reproducing border collie puppies without a licence.


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


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


She included: 'I understand they fulfilled as she was his carer. He was wed however Angela moved in. I thought she had lived in Southport.


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


'She was certainly 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 police came here.


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


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


A spokesperson stated: 'We sacked her immediately when we discovered the reality.


'All her DBS and references took a look at. The authorities stated we had actually done absolutely nothing incorrect.'


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


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


He declared himself 'unsuited for work' and failed to mention his other half's wage - unlawfully swiping ₤ 51k in employment assistance allowance.


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


Phillips' counsel Jim Smith argued he has a 'complex current history' of mental health and specials needs including neurological disorder, anxiety and anxiety.


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


While Phillips had no previous convictions connecting 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 appearance remained in 2012.


Lloyd was jailed for two years after confessing seven counts of fraud by false representation, and Phillips was also seen cleaning back tears as he was imprisoned for 20 months for fraud by false representation and three counts of dishonestly stopping working to disclose info to make a gain.


Sentencing, Judge Simon Medland KC said: 'Over an 11-year duration, or more than that, you, Angela Lloyd, handled to defraud the public of simply brief of ₤ 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 general public.


'For those who seek to defraud the general public of limited and valuable benefits which need to be directed to those who need them, not those who simply wish to have them for factors of personal greed, that is a severe offence devoted by each of you over an extended period of time.'


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