How Ordinary Housewife however Was Running Secret ₤ 270k Benefits Scam
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There is nothing remotely uncommon about Angela Lloyd and Lee Phillips' semi-detached home on a quiet cul-de-sac in Merseyside.

And to the typical eye, Lloyd looks like a regular middle-aged mum who works tirelessly to look after her ill other half.

So it was to the sheer shock of neighbours when police descended on their driveway to raid the couple's St Helens home.

Hiding behind the household's net curtains remained in reality a decade-long web of lies which saw Lloyd and Phillips pocket ₤ 270k in taxpayer money.

Lloyd, 58, cried 'Oh my god' as she was jailed today over a string of untruths including utilizing a dead woman's identity, making up 'bogus' medical conditions for her child, and creating pseudonyms to work while declaring carers allowance.

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

While the couple handled to siphon off their ill-gotten gains for several years - neighbours have actually exposed to MailOnline the obvious ideas that the couple were running a scam.

Angela Lloyd defrauded the of ₤ 170k over a duration of 11-and-a-half years. Detectives uncovered a web of lies including the production of pseudonyms to declare benefits

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

Phillips visualized 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 extremely frail as he would 'hobble' on his walking adhere to satisfy his carers.

But they were then left puzzled when he was at other times spotted cleaning his BMW, driving, and even playing a DJ set for their street celebration for the late Queen's Diamond Jubilee.

Locals likewise told 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 escape to on the weekends.

Lloyd was sentenced to 2 years after Liverpool Crown Court discovered she fraudulently pocketed almost ₤ 170,000 in benefits over a years, and likewise assisted Phillips wrongly declare advantages worth ₤ 100,000, as reported by the Liverpool Echo.

When neighbours saw them packing up among their 2 cars and trucks earlier 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 thought they were dodgy as he made a real show of not having the ability to stroll whenever his carers were here.
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'He was shuffling along and keeping his vehicles in the driveway before he took a long time to get to his carer's vehicle 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 cops raid, they became more reserved and didn't state a lot to individuals.

'There was always something dodgy about her - she wouldn't look individuals in the eye and extolled going to her ₤ 60,000 caravan however would never say where it was.

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

Phillips had fraudulently claimed ₤ 100k in PIP, housing benefits, work support allowance and council tax reductions 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 police raid secret rural street, neighbours were left with questions as to why the couple had actually been jailed - and some allege Lloyd had later informed them it was down to canine breeding.

But these questions were finally put to rest on Tuesday when the court heard how Lloyd had claimed a total of ₤ 169,394.15 which she was not received in housing benefits, carers allowance and personal independence payments over the course of 11-and-a-half years.

With the assistance of Lloyd, Phillips was also discovered to have actually unlawfully declared ₤ 100,980.71 through PIP, housing benefits, work assistance allowance and council tax decreases considering that 2018.

Olivia Beesley, prosecuting, laid out how the mom'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 fake tenancy arrangement for the 'totally fictitious caravan', ultimately filching ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent house.

Then in 2018, she started making deceitful claims that her other half needed 'numerous daily carers to address his needs'. She went as far as using Phillips' sister Zoe's birth certificate to impersonate his brother or sister and claim that she was his main carer.

She also lied that she was unable to work due to being a full-time carer, but was discovered 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 started creating 'false medical conditions' for her kid, claiming she had a carer called Joyce Bibby - a dead lady's identity. Nearly ₤ 10k in incorrect special needs living allowance overpayments were declared in relation to this.

She once again utilized the departed lady's name as being her social employee to claim ₤ 13,526.70 of PIP, specifying that she required 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 stated they saw the couple packing up on of their vehicles earlier today and presumed they were going off to their 'caravan', just to later find out they were off to jail

When MailOnline visited Phillips' address in Birch Gardens which he shared with Lloyd, neighbours exposed how the couple and her boy 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 actually never existed, or an indeed a separate, genuine caravan.

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

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

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

She included: 'I know they fulfilled as she was his carer. He was wed but Angela moved in. I believed she had actually resided in Southport.

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

'She was certainly spying on them.'

Her partner David Manchester, 70, stated: '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 celebration for the Queen but other times he did seem very frail.'

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

A spokesperson said: 'We sacked her instantly when we found out the truth.

'All her DBS and recommendations took a look at. The authorities said we had not done anything wrong.'

The court heard how Phillips also swindled cash from the public purse by stopping working to reveal the reality that Lloyd had 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 likewise 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 'unfit for work' and failed to discuss his partner's wage - illegally stealing ₤ 51k in employment support allowance.

However, Phillips alleged that Lloyd had completed the form 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, anxiety and depression.

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

While Phillips had no previous convictions relating to similar matters, nevertheless Lloyd's criminal record reveals previous entries for theft and dishonesty offenses 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 scams by incorrect representation, and Phillips was likewise seen wiping back tears as he was imprisoned for 20 months for fraud by incorrect representation and 3 counts of dishonestly stopping working to divulge information to make a gain.

Sentencing, Judge Simon Medland KC stated: '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 each year which you defrauded from the public.

'For those who look for to defraud the public of limited and valuable advantages which need to be directed to those who need them, not those who just wish to have them for reasons of personal greed, that is a serious offence dedicated by each of you over an extended period of time.'