How Ordinary Housewife but Was Running Secret ₤ 270k Benefits Scam
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There is absolutely nothing from another location unusual 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 relentlessly to care for her ill other half.

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 household's net drapes was in truth a decade-long web of lies which saw Lloyd and Phillips pocket ₤ 270k in taxpayer money.

Lloyd, 58, sobbed 'Oh my god' as she was jailed this week over a string of untruths including using a dead female's identity, making up 'fake' medical conditions for her boy, and developing pseudonyms to work while claiming carers allowance.

Husband Phillips, 54, was also jailed after the set's huge advantages scams was lastly exposed.

While the couple handled to siphon off their ill-gotten gains for years - neighbours have revealed to MailOnline the apparent 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 creation of pseudonyms to claim advantages

The scammer next door: The assuming semi-detached house Lloyd had moved into with Phillips. Phillips had failed to divulge 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 stated 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 identified cleaning 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, 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 2 years after Liverpool Crown Court found she fraudulently stole nearly ₤ 170,000 in advantages over a years, and also helped Phillips incorrectly declare benefits worth ₤ 100,000, as reported by the Liverpool Echo.

When neighbours saw them leaving one of their 2 cars and trucks earlier today, they thought they were going off to stay at their secret caravan, only to discover they were going to jail.

One neighbour informed MailOnline of the couple: 'I thought 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 holding onto his cars in the driveway before he took a long period of 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 appeared 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 whatever.

'But after the police raid, they ended up being more reserved and didn't say 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 state where it was.

'They would take her teenage child and go away on a Thursday night and not come home up until Sunday.'

Phillips had actually fraudulently claimed ₤ 100k in PIP, housing advantages, work support allowance and council tax decreases 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, but at other times was seen 'walking great'

Following the police raid secret suburban street, neighbours were left with concerns as to why the couple had been arrested - and some allege 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 claimed an overall of ₤ 169,394.15 which she was not gotten approved for in housing benefits, carers allowance and individual self-reliance payments over the course of 11-and-a-half years.

With the aid of Lloyd, Phillips was likewise discovered to have actually unlawfully declared ₤ 100,980.71 through PIP, housing benefits, work support allowance and council tax decreases since 2018.

Olivia Beesley, prosecuting, outlined how the mom's elaborate scam started when she incorrectly started declaring housing benefits for a caravan on Riverside Walk in Southport - which was discovered to be a 'fictitious address'.

She even made a fake tenancy agreement for the 'entirely fictitious caravan', ultimately swiping ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent house.

Then in 2018, she started making deceptive claims that her hubby required 'numerous day-to-day carers to address his needs'. She reached using Phillips' sibling Zoe's birth certificate to impersonate his brother or sister and claim that she was his primary carer.

She also lied that she was unable to work due to being a full-time carer, however was discovered to have 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 inventing 'incorrect medical conditions' for her child, declaring she had a carer called Joyce Bibby - a dead female's identity. Nearly ₤ 10k in false disability living allowance overpayments were claimed 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, stating 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 ever exposed, and would state they were going to stay at the caravan from Thursday to Sunday

One neighbour said they saw the couple loading up on of their vehicles previously this week and presumed they were going off to their 'caravan', only to later on discover they were off to jail

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

It is not known whether this was the very same 'fictitious caravan' which transpired to have actually never existed, or an indeed a separate, genuine caravan.

Leni Newton, 63, stated: 'She told people that the cops raid was because somebody had actually informed on her for breeding border collie pups without a licence.

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

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

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

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

'She was undoubtedly spying on them.'

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

'There were a lot of police came here.

'He was at the street party for the Queen but other times he did seem extremely 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 right away when we learnt the reality.

'All her DBS and referrals had a look at. The cops said we had actually done nothing wrong.'

The court heard how Phillips also defrauded cash from the general public bag by stopping working to disclose the truth that Lloyd had moved into his home in 2018 - allowing him to continue claiming more than ₤ 13k in housing advantages and ₤ 2.2 k in council tax reductions.

He is also said to have actually 'overemphasized' his medical conditions and require for care, stating that he was unable to do anything for himself.

He declared himself 'unfit for work' and stopped working to discuss his other half's wage - unlawfully swiping ₤ 51k in work assistance allowance.

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

Phillips' counsel Jim Smith argued he has a 'complex recent history' of mental health and impairments consisting of neurological condition, stress and anxiety and anxiety.

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

While Phillips had no previous convictions relating to comparable matters, however Lloyd's criminal record shows 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 2 years after admitting seven counts of scams by false representation, and Phillips was likewise seen cleaning back tears as he was jailed for 20 months for fraud by false representation and 3 counts of dishonestly stopping working to reveal information to make a gain.
wikipedia.org
Sentencing, Judge Simon Medland KC stated: '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 from the general public.

'For those who look for to defraud the public of scarce and important advantages which require to be directed to those who require them, not those who just want to have them for reasons of personal greed, that is a severe offense committed by each of you over a long period of time.'
bbc.com